Actually, most Insurance policies are based on their risk of damage and the probability that you will have damage.
You argument about oil coming from the Earth and its implication that it cannot be dangerous is called a natural fallacy. Arsenic , Uranium , Radium, Polonium, Thallium , Strontium, Cesium, Cobalt, Lead, etc and so on are all natural and are found in the Earth's crust right? But you don't necessarily want to have your drinking water supply come from an area where those are found in the water right? Just like you dont' want to have a crude oil or refined oil in your water supply either.
As for snowplowing I do like to do it. But is also sort of necessary if you want safe roads and driveways. But that being said I don't think you should purposely try to damage the environment either. So, I don't like push dirty snow with liter into watersheds I try not to pollute the watershed that I live in at all.
That seems to me to be the intent of the law that hey we all have to use the finite supplies of water in this area of the country and we should all try our best to maintain these resources. Which is why I find your response and those of others to it so interesting. It seems to me that many people here want to tell others that only their rights to use things matters. And that attitude I really find disheartening. Because you're going to make these issues hostile instead of trying to create a viable plan that all can benefit from.