Ever thought of moving somewhere else?
Yes. No matter where you live you're going to have some type of risk for a natural disaster. I've lived here for 25 years and only had to evacuate once. I lived in CA and had my house destroyed in an earth quake. Lived in Albuquerque and went through a dust storm and had my house flooded in a flash flood. I grew up in New England and spent two weeks snowed in during a blizzard. I lived in Illinois and saw several tornadoes.
I'm retiring in two years and plan on moving. I just haven't decided where yet.