This makes me think of my late grandfather. He had been a civil engineer for the US Navy who spent several years working in the Panama Canal Zone. He told me this story of a senator showing up one day with cost-cutting on his mind. He focused on one line in the budget: mosquito control. “Mosquitoes? There are no mosquitoes here! What a colossal waste of money!” The whole area became pretty much unliveable within a year of his returning to Washington.

Best of luck to all the poor schmucks who are living near a fault line or a hurricane alley. Hope the savings will cover you losing everything.