That's interesting about the insurance, Heyang.
One thing that people need to remember when discussing any "danger zone" in the U.S. is that there are 300 million people in the U.S., and they have to live somewhere. They can't all fit into the Badlands of South Dakota or the inland valleys of Vermont. (Which were hammered last year when Hurricane Irene unpredictably veered inland.) Some will live on earthquake faults, some in fire zones, some near rivers or oceans, many at sea level. There are two questions: Can we build more defensively to protect ourselves against the most likely dangers for our area? And can we change our ways to stop damaging the climate? I understand that the latter will be expensive, but as we've proven this past month, doing nothing is plenty expensive too.