[Sherman Logan]

What about the person in the 45 year old mobile home 5 miles from a paved road in a county with only a volunteer fire department?

Should he pay the same per square foot as you?

Nope. He has different risks than I do.

[Eagle Eye]

Should I pay the same amount per $100,000 of value as somebody with a new $5M home right on the beach, which will absolutely, positively be destroyed if a Cat 4 comes ashore there?

You aren't. He has different risks than you do.