The thing is my wife is a native NoCal while I'm from the Midwest.
She is scared to death of tornadoes.
I think just about anywhere one lives there is a chance for doom and gloom.
Come here to Arizona. Not much doom and gloom here, except for the heat.
The chances are hardly equal around the country.
Tornadoes have very narrow damage swaths and the odds of an individual house even in the middle of Oklahoma being destroyed by a tornado in the next 100 years are miniscule.
The single Northridge quake in 1994, which wasn't all that big, did many times more dollar value damage alone than every tornado to ever hit the United States.
There's a reason nobody has to pay extra for special "tornado insurance" even in the Midwest. It's not that much of a loss threat.
True, but the Mid Atlantic region doesn't have much in the way of tornadoes, earthquakes, hurricanes, etc. Ditto New England?