I've driven some subdivisions finally

[Rene Siracusa]

The thing about the lava zone 1 and 2 designations isn't the lava. It means that you can't get insurance, except perhaps at an exhorbitant rate. It means you can't use the equity to get banks to loan you money. And if you want to sell, the prospective buyers can't get bank loans, so you either have to do an A/S or deal with buyers who can afford an outright purchase. The situation decreases the size of the buyer pool. Since these lava zones were created (and not for purposes of insurance or bank loans) they have not changed, even though the lava flows have. Caveat emptor.