Dan: there is NO comparison between a tornado and a flood.
The flood plains are not a mystery. You can tell where water is going to go if you have a big rain.
You have ZERO idea where a tornado is going to hit. There are not as many federal dollars spent on tornado damage as flood damage. Most insurance policies pay on a tornado.
As far as hurricane damage. You can build to make the damage be minimal from them. Have a very good friend that has a house down on the Gulf of Mexico. The house is 100 years old. It is built on higher ground. HE was hit just about square with Katrina. Had zero water damage and just a little roof damage.
As far as the wild fires out west. The tree huggers have actually made them much worst because they will not let old dead trees be cut/cleared down. Also the homes built in CA just are not designed correctly. I remember seeing a whole subdivision burnt to the ground other than ONE house. That guy was from Korea. He built his home to be fire resistant. He had zero damage while the homes around him where destroyed.
So if you build for the conditions you may have then most places can be lived in/on without major damage. Even flood areas. Just put the homes above the water line.
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