Let's see, there's Hurricanes, Tornadoes, Ice Storms/Blizzards, Earthquakes, Volcanoes, Tsunamis, Drought, Sandstorms...

Chief, you forgot wildfires (quite forgiveable, and we have cyclones rather than hurricanes) but we also have people who persist in rebuilding in exactly the same vulnerable styles in exactly the same vulnerable locations that "destroyed" them in the first place. Some of this is because they have no (or too little) choice but much of it is plain ego, especially when they refuse to modify building styles to better protect themselves from the threat that destroyed their earlier efforts.

While I have some sympathy with the sentiment behind your we can either live in fear, or we can just plain LIVE! it's the rest of us whose insurance premiums go up to cover the costs of their living. And I've noticed that not many of those who rebuild in problematic styles in problematic locations are volunteers in the various emergency services that deal with the results of Hurricanes, Tornadoes, Ice Storms/Blizzards, Earthquakes, Volcanoes, Tsunamis, Drought, Sandstorms...(and wildfires).

Cheers, Rowan