It does. The west coast is fire and earthquake prone. The east, hurricanes. There's a giant swath of land in "flyover country", the Midwest, that doesn't have any particular disaster risk.

But people like living near the oceans, mountains, and where weather is nice. That should be okay, but the government shouldn't be throwing money at them. Let them know the area is dangerous, and if they want to live there, they're on their own.

I get miffed when we bail these people out with federal funds for disaster relief. They should be required to have private insurance, with insurance free to set rates based on risk. If it's too expensive to get insured, don't live there