What's the solution? Having every one else pay so people can live in areas guaranteed to be hit by increasingly strong hurricanes? I pay less for car insurance

What's the solution? Having every one else pay so people can live in areas guaranteed to be hit by increasingly strong hurricanes? I pay less for car insurance now that I live in a rural area than when I did in a city. That makes sense. If you want to live in a nice climate by the beach, go for it. However, be prepared to pay for it.