As tempted as I am to cordially compensate you for your reputation-giving, I have also decided to abandon your approach at this. Instead, I shall explain myself rationally versus fight fire with fire (no pun/double-meaning intended).
First, not once did I decide where you should live. If you wish to live in a fire-prone, deluge-prone, mudslide-prone, and earthquake-prone state, that's fine with me if it is fine with you.
Second, I am entitled to my opinion. My philosophy on this subject of matter is that I do not feel sorry for you guys because this happens every darn year. Every. Year. And yet it seems to take America by surprise. "OMG F1RES IN THE WE5T!!" Now, you may take me as an apathetic fool, and you probably do. But a house is a house; it is material item. Like I said, one's insurance will cover that, minus the irreplaceable things like photos, etc. In this instance I am sympathetic, as you cannot possibly replace them. In which case, this could have been avoided or lessened if this person had a predetermined plan rather than, "Oh snap, fire's coming, we gotta go! Grab the (insert object here)!"
I am very conservative. I do not believe in the welfare system (which is irrelevant to this, anyway, unless we'd talk about Katrina). I do not think that the poor should be taxed less than the rich. By knowing this, you should be able to at least see how I derived my viewpoint. Though I will never protest the entire concept of "paying for your problems," I can't help but be a little sour at it.
I live in northeast Ohio, thank you very much. Nothing happens where I live, except for an occasional overnight foot of snow, if you'd even consider that to be a natural disaster. I would hardly match a quick Nor'easter with firestorms or hurricanes in terms of deaths or the cost to clean them up. The last tornado to sweep within a 50-mile radius was in 1985. Heck, we're not even in the snow belt. So yeah, it's pretty boring up here.
So now that I have expressed my opinions fully, I earnestly await your refutation.