Commercial passenger liners fly over war zones constantly, above 32,000 feet.
Ben Gurion International does over 100,000 takeoff and landings a year. No airport in the world is more at risk.
There was a discussion yesterday on PPRuNe concerning the advances in anti-aircraft (SAM and manpad) technology. There was a consensus that war zones need to be avoided at virtually any elevation. Insurers are covering risks underwritten based on old technology. Other risks were always there. They just were not factored in. For example, a missile fired from 3,000 meters in Afghanistan is not only that much closer to a target that lacks countermeasures, but also has less air resistance due to elevation. Current practice is dangerous and some were predicting a spike in these tragic incidents before the aviation community adjusts. The deterrent is the economic cost of flying around war zones.
I am no expert. I am just listening to those who are.