My rural home insurance in the Midwest where the only risk is tornados has certainly gone up. When I saw the headline "disaster-prone cities," I thought maybe

My rural home insurance in the Midwest where the only risk is tornados has certainly gone up. When I saw the headline "disaster-prone cities," I thought maybe they were talking about crime or terrorism or something. For something like a hurricane, everyone in the danger area would see insurance rates go up, not just those in the cities. Odd way to word it.