there is very little living space in the US that is not subject to some sort of natural disaster. where i live in california, e.g., fire insurance is getting increasingly expensive and many insurance companies are opting out of offering it altogether. what you should be annoyed about is that you have to pay for private natural disaster insurance on a per-disaster-type basis rather than the government explicitly providing a national pool by default.
edit: also it's worth considering that the worse the land in terms of risk, the poorer the people who will be forced to live there because they were priced out of everything else. with climate change accelerating this will increasingly be a factor, and it is unconscionable to expect those people to bear the burden of insurance themselves. this is what a civilisation is for.
edit: also it's worth considering that the worse the land in terms of risk, the poorer the people who will be forced to live there because they were priced out of everything else. with climate change accelerating this will increasingly be a factor, and it is unconscionable to expect those people to bear the burden of insurance themselves. this is what a civilisation is for.