But where do you draw the line on risk? Pretty much everywhere you live has some form of risk. If it's not earthquakes, or flooding, it's tornadoes, or drought,

But where do you draw the line on risk? Pretty much everywhere you live has some form of risk. If it's not earthquakes, or flooding, it's tornadoes, or drought, or hurricanes, etc. Part of the point of having civilization is as a kind of insurance. If you live in a once-in-every-two-hundred-years-massive-flood-plain, are you saying living there is risky and the government should not have emergency disaster relief? Most of the coastal cities in the US including Manhattan, could be under water from global warming in the future. Are we saying that people who move to New York city should be aware of increased potential for damage from global warming? And if they should be aware of these things, perhaps we should stop ignoring global warming in our political system. It'll be cheaper to mitigate it earlier, than way 50 years for flooding to massively increase.