I think you are over-simplifying. Yes, poor people often incur environmental risk by inhabiting undesirable urban land that's risky. But it is also very commo

I think you are over-simplifying. Yes, poor people often incur environmental risk by inhabiting undesirable urban land that's risky. But it is also very common for the wealthy to intentionally take on flood/fire risk so they can be in the most-desirable areas with natural beauty. Many of the big fire hazards are in towns filled with ski resorts, vacation homes, wealthy retirees with ranches. Many of the big flood hazards are wealthy people attempting to live too close to the ocean, or too close to a river, than is safe.