There are some kind of risks everywhere, but denying the fact the some places are dramatically more risky kind of misses the point. Where I live, hardly any di

There are some kind of risks everywhere, but denying the fact the some places are dramatically more risky kind of misses the point. Where I live, hardly any disasters - tornado about every 100 years, last time there was huge wildfires was just after WWII, zero risk of flooding - biggest 'risk' I have is being snowed in for a few days as I dig out - there are plenty of places that have a much lower risk profile - and people like me, that pick where we live based in part on the risk, shouldn't have to pay extra insurance to cover people who willing choose to live in low-lying, flood prone areas.