I completely agree that taking some reasonable action is one way to reduce the perceived need for insurance. For example, the recent California floods affected

I completely agree that taking some reasonable action is one way to reduce the perceived need for insurance. For example, the recent California floods affected populated areas that were never inhabited by the indigenous peoples. Why? They knew from experience that it would flood someday -- maybe not in their lifetime, or even their grandchildrens' lifetimes, but someday. So they didn't build there.