Well, that really brings it home. "What kind of risk are you prepared to deal with."
This is actually reason #1 on the list of reasons we left Texas. Like hell am I going to keep my family somewhere that the government is totally unprepared for unpredictable climate events -- not 50 years from now, but now.
When we were selecting where to live, I started by looking at the IPCC charts on projected changes to rainfall patterns, then looked at possible sea level changes, and then looked at earthquake data. That last one is big -- most folk think of earthquakes as a West Coast risk, but that has never actually been true; they have been less newsworthy elsewhere, but for most of the continent, it's when, not if.
The fact remains, though, that even as carefully as I picked the Carolina Piedmont, there are readily identifiable risks like hurricanes, or freak winter storms, but also unpredictable risks: what happens if our wetter-than-most weather pattern breaks, even for just a year or two? We have less fire risk than the mountains right now, but there's no guarantee that pattern will hold.
Bottom line is, there are a lot of people in this country who foolishly feel safe, who are about to discover to their sorrow that there is no such thing.