You are missing my point and making it at the same time. People can live wherever they want. There is some sort of risk inherent just about anywhere. No matter where you live, it is incumbent on you to acknowledge and accept that risk. It is your responsibility, not mine. Just as it is my risk, not yours, to live in a flood plain, or in tornado alley, or in northern Wisconsin, or on a fault line.
Do we really want to rely on the federal nanny state to protect us from risk?
Your argument just sounds so "cold" at this moment in time when so many souls are at risk.