LOL! The solution is . . . what? Private industry relocating Gulf coast refining capacity to, well, where ever you're living? Maybe private industry relocating the Mississippi River and the salt water ports to Nebraska? And the oil and gas pipelines will, of course, be relocated by private industry to some place really, really safe, far away from those dangerous wells. And the fish, they can be moved by motivated private fisherman to Idaho! I'm liking this. We can cut that Gulf coast cancer right out of the country if we put our minds to it!
The solution is called private insurance. With private insurance, the market determines where assets should be located with regard to the benefit of the location versus the cost of the increased risks. Your problem is that you will bail everyone out whether they have insurance or not, thus subsidizing uneconomical behavior.