1/12/2025 at 7:14:23 PM
>> So why do people insist on rebuilding in the firebelt?Why do Floridians keep rebuilding in the wake of endless hurricanes? Why do folks live in Tornado Alley? Why do Dakotans endure one tragic winter after another? Why did New Orleans build back after yhe flooding?
Man seeks to tame nature - to bend it to our will. Plus we'll take "build now, great views now" over "possible disaster later ".
One could argue that nowhere is completely risk free, but it seems like the homing instinct (Plus the cultural instinct to build out of wood) is strong.
It might be time to consider alternate building methods suitable for the risk of the area.
by bruce511
1/12/2025 at 7:28:30 PM
I would append to these explanations, "moral hazard". Many of the people rebuilding in these areas are being subsidized by the rest of us, particularly people with access to reimbursement from the national flood insurance program.by derektank
1/13/2025 at 1:43:02 AM
Most of them are also being rebuilt with the same inherent problems. If they were rebuilding after a fire or tornado with concrete or ICF homes, with metal roofs with ember screens and tornado straps that would be okay.by briffle
1/12/2025 at 8:02:02 PM
Agreed on this point, I don't want to be subsidizing insurance or paying for multi millionaires homes to be rebuilt.I truly feel bad for the people who lost their homes, it's awful. But it shouldn't be the tax payer who picks up the tab. If insurance is so prohibitively expensive you can no longer afford to build there, then so be it - you can't afford to live there after all.
by godtoldmetodoit
1/13/2025 at 3:11:12 PM
Are you subsidizing them, though? High-risk areas often require expensive insurance addendums or proof of self-insurance. We deal with this in Houston and our numerous pockets of 100yr floodplains.by nunez
1/13/2025 at 4:13:11 PM
California only recently dropped the twin requirements of "insurance cannot be priced according to future models" and "insurance premiums can only rise X% per year", the effect of which that everyone else definitely was subsidizing the people in wildfire zones.by Analemma_
1/14/2025 at 2:37:51 AM
>But it shouldn't be the tax payer who picks up the tab.Rebuilding is exactly what paying taxes are for. We've been giving too much of it to corporate interests, why not give some to the citizens? What are we, nodes of the Matrix, supplying the machine with labor for nothing but an illusion of a decent life?
by Clubber
1/14/2025 at 5:36:30 PM
Maybe we shouldn't be supplying the machine (paying taxes) at allby dixie_land
1/14/2025 at 6:19:50 PM
I wouldn't mind a smaller, more manageable (and auditable) machine.by Clubber
1/12/2025 at 9:08:22 PM
> paying for multi millionaires homesKeep in mind that for many expensive homes, much of the expense is in the location, and not the home itself. It doesn't cost the market value of the house to rebuild it on the same spot. It's also not free, and in mass disasters it can be more because of shortages, but it's still less, often significantly so, than the market value.
by matwood
1/13/2025 at 12:06:51 AM
The flip side can also be true, where the replacement cost of a home is higher than its market value. Always be sure to insure your home for at least the replacement cost.by nnf
1/13/2025 at 2:07:06 PM
That’s simply not true. In high col areas like this and especially on custom homes that were well built rebuilding is much more expensive than appraised market value for structures.Part of that is easily attributable to depreciation of the structure but another large portion is the large increase in skilled labor costs in the last couple years.
by nothercastle
1/12/2025 at 8:50:09 PM
This strikes me as not understanding the limits of private insurance. There wouldn’t be earthquake insurance across much of California if the state didn’t provide it. Private insurance isn’t generally able to withstand large calamities which result in many thousands of high dollar claims in a short period of time.by metabagel
1/12/2025 at 9:03:39 PM
You can insure against a very expensive event that is very likely to happen; it's simply that the premiums for that insurance will be very, very high. If you're "insured" for a catastrophic event that is likely --- for instance, a home in Pacific Palisades of any sort --- and your premiums look reasonable and bearable, then the odds are you're not insured, you're subsidized.by tptacek
1/12/2025 at 9:06:39 PM
Private insurance can and generally withstands large calamities (known as natcat losses) without government intervention via the utilisation of global reinsurance organizations. Especially for earthquake, a properly reinsured insurance can cover a large earthquake loss about once every 15-20yearsby michaeljx
1/13/2025 at 12:31:35 AM
Re-insurers also re-calibrate their rates, which may mean private may be effective ... until the first big disaster whereafter the re/insurance premiums become eye-watering.by sangnoir
1/13/2025 at 6:38:14 AM
> There wouldn’t be earthquake insurance across much of California if the state didn’t provide it.That’s fine. If it’s not possible to buy insurance for a particular house at a price that you can afford, don’t live in that house. The state’s other taxpayers shouldn’t be assuming your financial risk.
by reshlo
1/13/2025 at 6:57:59 AM
True, but it's not quite as simple as that.Say the city has invested in infrastructure, has a thriving industry etc. That typically isn't "portable". To get a return on that investment they need residents.
The residents naturally want things like insurance etc. It's high though - a barrier to entry. The city runs the numbers and decides that a resident is a net win even after insurance subsidies are applied.
Now granted, the calculation isn't that simple, and usually these things come with much hand-waving. But its not as simple as "other tax payers assuming the risk".
by bruce511
1/13/2025 at 1:42:39 PM
Generally, high-density building produces more net income for a municipality. Especially couple with California’s Prop. 13 means that there is a LOT of high-dollar real estate that’s not contributing equitably to the state’s budget.by sgarland
1/13/2025 at 7:19:10 AM
How would it be profitable for the government to provide insurance if it’s not profitable for a private insurer? My impression is that private insurance premiums are a lot higher than the portion of local taxes that could be allocated to insuring homes.It seems like sunk cost fallacy is at play here. When is it time to stop throwing good money after bad, and start thinking about a managed retreat?
by reshlo
1/13/2025 at 1:04:30 PM
Government takes in other taxes. The case being made is that the city wouldn't exist without being living there. So, the local government has a particular interest to enable people to live there by subsidizing.Private insurance doesn't have the same upside
I don't know if I agree with this but am answering your question fwiw
by sokka_h2otribe
1/13/2025 at 1:28:03 PM
I think in this scenario the theory is that the city will take in more in taxes than they spend in subsidies. I have no idea how realistic that is, but it seems very similar to saying that they could buy this person a house in exchange for just living in it and paying taxes, which is something I've never heard of happening.by ElevenLathe
1/13/2025 at 5:23:55 PM
It’s not enough to take in more in taxes than they spend in subsidies. If they’re spending that resident’s taxes on paying subsidies, there’s none left for paying for the other public services that the taxes are also supposed to pay for.by reshlo
1/13/2025 at 7:16:33 PM
Yeah, it seems like it might pencil out if the housing is very cheap to replace (and therefore insure) but the tax revenue you can gain from it is high. Since local taxes are mostly property taxes, this is basically a paradox: if the property is cheap, the taxes will be too.That said, there are some cities that have a local income tax so, in theory, one can imagine a scenario where, as a development project, some local government convinces high-income artisans or work-from-home workers to move into extremely cheap housing by subsidizing their disaster (flood, fire, earthquake, etc.) insurance. This is again likely a paradox: if high-income people wanted to live there, the housing wouldn't be cheap anymore.
by ElevenLathe
1/13/2025 at 2:10:44 PM
The premium on insurance of last resort are quite high they may do enough to cover costs or they may not but it’s hard to Predict and model so private parties don’t bother. The juice just isn’t worth the squeeze so to sayby nothercastle
1/13/2025 at 6:37:27 AM
When the government regulates the premiums, there will be (inevitably) shortages of companies willing to provide the coverage.by WalterBright
1/13/2025 at 9:56:18 AM
Pass a law. Disaster insurance maxes out at 95% compensation. (Same for federal insurance of bank accounts.)Not enough of a worst-case cost to cause a run on the banks (or a collapse in property prices), but enough to get people to start using the brains they were born with.
by euroderf
1/12/2025 at 7:37:54 PM
Sure, the point of insurance is that the many subsidize the few.But I expect there comes a point where insurance companies say "enough is enough".
Perhaps federal and state money will start to pay out, but the land gets bought as well.
by bruce511
1/12/2025 at 7:42:09 PM
Getting insurance is a making a bet bad stuff happens. The insurer makes a bet it doesn’t happen when it signs an agreement with you. If the bet is obviously negative expected value, it stops being a useful subsidy and it becomes instead throwing good money away.by baq
1/12/2025 at 7:56:50 PM
A rule of thumb is you'll pay twice in insurance premiums than you'll get in payouts. Insurance is only worth buying if you cannot afford the cost of the disaster.For example, I don't pay for collision protection on my car. I can afford losing the car. Over time I've saved far more in insurance premiums than the cost replacing the car.
The same goes for insurance for appliances, etc.
by WalterBright
1/12/2025 at 9:09:52 PM
Yep. One of the ways the rich get richer is when they can self-insure everything and invest what they would have normally paid in premiums.by matwood
1/12/2025 at 9:29:15 PM
That really isn’t true. The rich buy insurance like anyone else, they are even more aggressive about insurance with things like umbrella policies to protect their wealth. They also hedge a lot, which is just insuring through investing.by seanmcdirmid
1/13/2025 at 7:39:55 PM
Maybe a better way to put it is that rich people have options. Of course if it's cheap for someone to offload the risk, they will. But if an insurer raises prices too much a people who can self insure will walk. Most people don't have that option so we continue to get squeezed with higher premiums and worse service.by matwood
1/13/2025 at 7:44:52 PM
Rich people will definitely have more options so they can walk away from bad deals.by seanmcdirmid
1/13/2025 at 7:46:28 PM
https://finance.yahoo.com/news/charlie-munger-said-warren-bu...by matwood
1/13/2025 at 6:19:10 PM
That's just a BS trope. People who can't self insure either insure, or don't. And of those who don't some get lucky, some get unlucky.If everyone who said screw it got unlucky the way the internet likes to make it seem then insurance as a business model simply wouldn't work at the price points it does.
by potato3732842
1/13/2025 at 7:46:03 PM
What do you mean BS trope? Literally the king of insurance says to self-insure if you can afford it.https://finance.yahoo.com/news/charlie-munger-said-warren-bu...
by matwood
1/13/2025 at 8:27:25 PM
easy thing to say with 10 digits in your account!by baq
1/12/2025 at 10:00:58 PM
Another way the rich get richer is simply taking their money and investing it.by tptacek
1/13/2025 at 3:03:07 PM
Another way, theoretically, is to privatize/keep profits and put losses on the shoulders of taxpayers. I don't think such unethical activities are ever done in the real world, though.by cduzz
1/13/2025 at 4:40:03 PM
That's exactly what subsidizing insurance in fire-prone regions would do!by tptacek
1/13/2025 at 7:03:13 PM
You must have astonishingly high insurance premiums or a very cheap car.I pay about 1 000 NOK (about 100 USD) per month to ensure my 2015 Tesla S here in Norway. It would take over forty years to get back the purchase price by not insuring it all and more like eighty if I were to merely drop the collision protection. And that's not even considering that they have paid out about 60 kNOK (6 kUSD) in claims for collision damage so far for this car (no other vehicle involved).
by ninalanyon
1/14/2025 at 2:43:15 AM
I pay around $120 a month for a Toyota 4Runner (much less expensive than a Tesla S). I haven't been in an accident ever and haven't had a ticket since around 2002. I guess it's just more expensive in the US.by Clubber
1/15/2025 at 8:45:39 PM
But why should it be more expensive? Both the purchase price and repair costs should be lower in the US because of lower purchase taxes which should surely push down the insurance premiums. Or are collisions so much more likely in the US?by ninalanyon
1/12/2025 at 9:30:36 PM
Can you afford to replace the other guy's car?by adastra22
1/12/2025 at 9:36:10 PM
Collision insurance != liability insurance.by jmb99
1/12/2025 at 11:25:55 PM
Also AFAIK collision and total loss is required to get financing and for leases, so you still pay / there is still an opportunity loss in other forms.I lease EVs with the federal tax credit and invest what I’d otherwise spend buying cash. You need to look very closely at the numbers for your own situations but it’s been a “better” deal than buying cash the past few cycles.
Sure, you could also just buy a decade-old Honda used, but then you get to drive a used decade-old Honda. It’s like suggesting that camping is cheaper than a hotel or that luxury hotels provide no additional value beyond budget hotels.
On the other hand, used Range Rovers depreciate so drastically that you can buy one less than a decade old for under $10k, just make sure to check insurance and maintenance costs and actually have it inspected before buying. The air suspension in particular is why you see so many “dropped” examples for cheap.
by seanp2k2
1/13/2025 at 7:00:23 PM
Average new car cost is $45,000. Liability minimums in many states are still around $50,000. Even if you're insured, there's a good chance you still won't be able to afford to replace the other guy's car.by olyjohn
1/12/2025 at 8:40:27 PM
Insurance has an obviously negative expected value for its customers.by tptacek
1/12/2025 at 9:32:55 PM
The magic trick is it protects you from ruin. EV is negative for this one bet but not for the whole budget.by baq
1/12/2025 at 9:58:45 PM
Right; there are all kinds of positive-EV bets you should never take. Heads you win $50,000,000; tails I get $500,000 and your house. Insurance isn't so much about expectation as it is about marginal utility.by tptacek
1/12/2025 at 8:40:11 PM
That is not in fact the point of insurance.by tptacek
1/12/2025 at 7:51:21 PM
The insurance companies did say "enough is enough", which is why the FAIR plans exist - i.e. https://www.cfpnet.com/by jalk
1/12/2025 at 8:01:23 PM
> Man seeks to tame nature [citation needed]This is a shockingly archaic outlook espoused by the outmoded likes of the 17th century's Francis Bacon who posited "Man, as the minister and interpreter of nature", asserting that "the secrets of nature betray themselves more readily when tormented by [science] than when left to their own course."
To tame, conquer, and torment is an abhorrently perverse attitude to hold towards the cradle of our species. It's not the dominant philosophy of humankind, only the ideology of a backwards niche minority that's had some recent success--not unheard of in nature. ;)
More common and contemporary perspectives are based in concepts of interconnectedness, innate affinity, and stewardship rather than ministration.
by rexpop
1/13/2025 at 11:00:13 AM
I live in a country that literally wouldn't exist if man didn't tame it 24/7.Funny enough it's also the only place in Europe that takes floods seriously.
by Yeul
1/14/2025 at 2:50:00 AM
>Funny enough it's also the only place in Europe that takes floods seriously.I'm guessing Belgium simply because they broke the dikes during WWI to flood the land with seawater to delay the German advance.
by Clubber
1/14/2025 at 3:21:54 PM
I'm guessing the Netherlands.by mainecoder
1/12/2025 at 7:30:03 PM
The Gulf coast is thousands of miles and hurricanes only destroy a few dozen miles of it each year. So the risk management isn't illogical.by nroets
1/12/2025 at 7:34:16 PM
It seems like the destruction is not rotating through all miles equally though.It sure seems like the folks in Florida are rebuilding more often than most.
by bruce511
1/12/2025 at 7:43:44 PM
Florida is many hundreds if not thousands of miles of coastline. The vast majority of it hasn’t been impacted majorly (defined as more than a tropical storm and evacuation) in many decades.My family has been there since the 50s and has never had major damage to any home. There’s some work and minor damage involved with tropical storms but nothing like a full on flood or total loss of house like these fires.
It’s just not true at all to say that most of Florida is regularly majorly impacted.
by jjallen
1/12/2025 at 8:42:41 PM
The devastation of a sparsely-inhabited patch of rural coastline isn't an economic or social problem, because ~nobody lives there. But pick any one of those patches and build a metropolis there, and you've recreated the problem we do care about. It's the concentration of risk that's the issue.by tptacek
1/13/2025 at 12:30:05 PM
Kind of tangential, but take a look at building codes in the major Florida metros. They’re impressive and more prepared for a direct impact than anywhere else in the world. And I’m not just referring to Miami - it’s the one city I’m not very familiar with. Tampa got two storms last year and while damage was substantial and notable, those were the types of storms that simply wipe out Haiti or New Jersey.There is very little substance to my comment other than to share a point of pride for the state. The GP is correct in that if you’re not as familiar with the region it’s easy to forget how massive the state is.
by DiggyJohnson
1/12/2025 at 8:33:37 PM
Exactly, and plenty of other Gulf states obviously are devastatingly impacted all the time, e.g Katrina, Harvey, etc. Not sure what the parent comment you are responding to is talking about.by hn_throwaway_99
1/13/2025 at 3:39:07 AM
Florida is a huge place. Hurricanes are enormous but the part that does serious damage is pretty small. Most Floridians have been through a hurricane. Few have had to rebuild after one. A major hurricane that hits the state is going to destroy some houses but not a particularly large fraction of all the houses in the state.Similarly, tornado alley seems tremendously destructive, but the breadth of the destruction is small. The average interval between house-destroying tornadoes at any given point is hundreds if not thousands of years
by wat10000
1/13/2025 at 6:48:58 AM
> The average interval between house-destroying tornadoesWhen I was little and lived in Kansas, tornadoes came through the town. We huddled down in the basement. Found out later that the tornado literally lifted up and hopped over the house. A giant tree next to the driveway fell down parallel to the house and a few feet away.
A fair chunk of the town was flattened.
by WalterBright
1/13/2025 at 12:33:53 PM
A tornado of nearly any strength hitting a settlement is just utter devastation for anything above ground level. Glad yall had a place to go and for the Kokura luck to have your home spared.Any interested HNers should beware the tornado documentary YouTube rabbit hole ;)
by DiggyJohnson
1/14/2025 at 12:11:19 AM
I didn't realize at the time how lucky we were.by WalterBright
1/13/2025 at 4:27:59 AM
One of the ways I like to tame nature is to get other people to pay for my home by making a government insurance plan that pays to rebuild my home if it breaks. In this way I am like a pioneer, taming Malibu with my $3 m home. Wagies need not apply. This is for men in the arena.by renewiltord
1/12/2025 at 11:29:55 PM
Land in the hills above a major city among trees with a view of the ocean in a place with extremely nice weather year-round will always be valuable.They will absolutely rebuild. Get in now if you’ve got the cash to buy land there. It might take a decade for the EPA to clean it up like Lahaina, but they will absolutely 100% rebuild there.
by seanp2k2
1/12/2025 at 7:33:57 PM
I think framing people "staying put" in a solely negative light paints an incomplete picture. I'd bet that the biggest reason people stay put is not anti-social but pro-social--tight community, cultural, and family bonds.by cle
1/12/2025 at 8:01:00 PM
That's definitely the case in Altadena which is a historically minority neighborhood. The cities south of Altadena like Pasadena and South Pasadena were redlined by real estate agents for decades after desegregation, which forced African Americans and Latinos to settle the foothills of the San Gabriel mountains at that wildland-urban boundary. Lots of people lost homes that have been in their families since the 60s and 70s.Who knows? If not for those policies, Pasadena could have been built denser and Altadena could have been miles of flat natural reserve that acts as a large firebreak where firefighters can easily fight the flames before they threaten thousands of structures, with frequent prescribed burns to keep the fuel load down.
That's probably the real kind of conversation we should be having of municipalities easing housing restrictions to build denser and the state buying up large swathes of these wildland adjacent communities to create larger breaks between the hills and the houses.
by throwup238
1/12/2025 at 7:40:28 PM
No doubt. As I said, the homing instinct is strong. We build in risky areas because we've lived there all our lives.Perhaps we should build different though to mitigate risk. It's not hard to build a fire-proof house. Or one that's flood resistant. Or hurricane proof...
by bruce511
1/12/2025 at 7:47:15 PM
Concrete is nice if you don’t want the whole house to burn down, it’s required in some places. Also, some minimum distance between buildings and regulations about what you can plant in the yard. There are folks who’ll say it’s taking away their freedoms and they’re actually right, it’s just we don’t want to pay for an army firefighters for when their respecting their freedoms puts the neighborhood in danger. (I’ve got nothing against firefighters - but if they aren’t needed as much, they can be not firefighters and contribute in a different way.)by baq
1/12/2025 at 8:49:02 PM
One would certainly hope that reconstruction would involve houses with concrete exteriors, or masonry. It would be silly to build a bunch of wood houses. Especially for luxury homes, a concrete shell should only add 1% to the overall cost. And technology exists to build hurricane-proof houses.Shouldn't this be mandated, if a "natural disaster" destroys a home, to not replace it with a similarly vulnerable structure?
by marze
1/12/2025 at 9:14:49 PM
California has a more stringent wildlands fire building code. Not sure if they'd apply it to this area too. I've also heard that some insurances have declined fire coverage or charged very high premiums to homes not meeting their material requirements.by giantg2
1/13/2025 at 3:29:47 AM
Most of the houses are already stucco which is very fire resistant. The problem is more the attic, roofs, and windows that might break.by bcrosby95
1/12/2025 at 9:24:51 PM
i have been wondering about this. how well do concrete and other less flammable materials actually help in a fire storm like this? wouldn't much of the house still get damaged enough that you may well have to rebuild anyways? or is the difference enough to keep, say, 50% of the houses in a reusable state as opposed to losing all of them?by em-bee
1/13/2025 at 4:06:42 AM
I've been wondering how fire manages to damage a stucco/stone house in the first place, especially in some of the cases where there wasn't much vegetation around. The scale of the fire must be quite immense and counterintuitive to get the outcome seen on news photos/footage.by foobarian
1/13/2025 at 6:53:46 AM
I'm speculating, but it could be the wooden eves, window frames, and wooden doors that allow the fire to get a foothold. If the roof is vented, it may suck in burning embers.by WalterBright
1/12/2025 at 8:09:30 PM
Is there any place on earth where the weather isn't potentially dangerious at some time?by bluGill
1/12/2025 at 8:32:45 PM
Very safe in most of Europe. In the UK the only weather that kills people is the cold (pensioners who can't afford heating; I wouldn't say it's exactly natural causes, but it's in the vicinity) and floods, which occasionally kill single digits of people.There are basically no earthquakes, tornadoes, tsunamis, wildfire, etc. I would imagine a lot of places are like that.
by IshKebab
1/13/2025 at 11:13:00 AM
Floods do a lot of damage. Some areas, esp around the M5, are becoming uninsurable. Flash flooding is increasing and the UK doesn't have the infrastructure to deal with it. There's also the issue of food security, because climate change is very obviously affecting crop yields.If the AMOC flips the UK and Europe will have a completely different, far less hospitable landscape.
Meanwhile in the Med increasing temps are making extreme flash floods much more likely (Valencia, for example) and fires are becoming more common in drier areas, like Greece.
by TheOtherHobbes
1/14/2025 at 1:38:29 AM
I hear about the heat in Spain/France/Italy causing a lot of deaths of elderly people.by _whiteCaps_
1/12/2025 at 8:48:14 PM
I live in southern Ontario which is mostly like this too. There is occasional flooding but minor compared to other places, and occasional major snowstorms, but the worst natural disaster I can recall in a half century here was an “ice storm” that caused damage that was quite frankly small potatoes compared to hurricanes and earthquakes.Living next to the Great Lakes also means that regardless of what happens with droughts, we have a supply of fresh water that is virtually limitless. I have to wonder whether the region will start to become more popular with climate refugees. Might Chicago become more of a destination, for example?
by adriand
1/12/2025 at 11:26:45 PM
I live in Chicago. I grew up in Southern California (Ventura County). Huge wildfire in fall of '93 started in my neighborhood. Then a few months later in '94, got to "ride" the Northridge earthquake. I would love to move back to CA, but haven't because of natural disaster risk. I still have family that lives there, though, and I enjoy going back when I can. The Great Lakes region theoretically is poised to be a /relatively/ safer place in the future as a "climate refuge", all things considered. And the huge amount of fresh water is nice... except... the more I learn about PFAS in the water, the more I realize... no place is perfect. (And if it truly was perfect, I'd probably not be able to afford to live there.) So... I choose snow, cold, and tornado risk over wildfire and earthquakes. Out of all the risks, wildfire risk seems the scariest (okay, maybe second to flooding). Everyone gets to (and has to) choose which risks they're willing to live with.by hugs
1/13/2025 at 6:27:06 PM
I think the two biggest natural disaster risks around Chicago are tornados and algal blooms. It's rare anyone thinks about the second one, but imagine having no water from faucets for an extended period.by Izkata
1/13/2025 at 7:34:47 PM
Also in the great lakes region. From reading and researching this topic I feel like Californians vastly overestimate the risk of blizzards and tornados while discounting wildfire and earthquakes.I feel like any natural disaster here has plenty of warning, which massively reduces the actual risk me and my family assuming I take the warning seriously. Unfortunately there is absolutely no warning for earthquakes and relatively little warning for wildfires (better than earthquakes, but still not as good as tornados or winter storms).
by roland35
1/13/2025 at 6:28:11 PM
Unless you build in a flood zone (europe has those too BTW) most of the US is not subject to those things.by potato3732842
1/13/2025 at 10:27:05 AM
Yeah, central Europe, probably also Eastern, just stay out of River banks or build with sufficient foundations, debris-catchers, and nothing vulnerable below the first above-ground floor. Yes, this includes making sure the interior walls down there are fine from soaking 24 hours. And no electricity for a week after that.The reason being that you want to rely on your home after such a disaster, if you get hit.
by namibj
1/13/2025 at 11:01:17 AM
Yes, Eastern Europe is very safe. For example, Ukraine had very few natural disasters and floods over the decades. Most disasters were man-made, such as famine, Chornobyl and war. If Nature doesn't get you, humans will...by csvm
1/12/2025 at 9:03:47 PM
> Very safe in most of Europe.Fires in the Mediterranean region are a serious thing. I got evacuated once from our family house once: flames 20 meters high near the house.
by TacticalCoder
1/12/2025 at 8:51:05 PM
Yes there are many. One of the strategies for dealing with the upcoming climate catastrophe has to be to do a sober assessment of its impact and instrument societies to relocate quickly. There is simply no point in trying to rebuild in areas that will be constantly destroyed by natural disasters on a regular cadence.by pm90
1/12/2025 at 11:44:11 PM
I can't think of any. Some are less than other but there is always something. Lightning is a common oneby bluGill
1/12/2025 at 8:41:55 PM
I’ve been to places in the Phillipines where everyone expects their house be destroyed and rebuilt, after typhoons, at least 20 times in their lifetimes.[edit: typos]
by nelox
1/13/2025 at 3:43:40 AM
The mid-Atlantic US is quite mild in all dimensions of weather. It’s hot in the summer but not at a level where people keep keeling over. It’s sometimes a bit cold in the winter but nothing too bad. Hurricanes are greatly moderated if they make it that far. Thunderstorms don’t build up that much. Tornadoes happen occasionally but never big ones.by wat10000
1/13/2025 at 6:55:26 AM
The Pacific Northwest is pretty mild. But there are the volcanoes!by WalterBright
1/13/2025 at 7:44:38 PM
Don't forget about the Cascadia subduction zone! Could be bad for the area...by roland35
1/14/2025 at 7:11:12 PM
Windstorms.https://www.seattletimes.com/seattle-news/environment/the-la...
The Inauguration Day Windstorm was one of the few times I've seen almost everything shut down.
Earthquakes - I never went through anything major, but when you get the queasy feeling in your stomach and realize that it's the building slowly swaying side to side - that can be unsettling.
The other quake occurred just after the plane I was in had taken off from SeaTac. Pilot then announced that Seattle had just experienced a minor earthquake, people were reaching for the in-seat phones to call and check on their loved ones.
by canucker2016
1/12/2025 at 8:42:19 PM
UK is pretty benign. We occasionally get some mild "extremes" (for us) that people are not prepared for, but nothing major.by mattlondon
1/12/2025 at 10:01:52 PM
Well given that intense heat wave that hit the UK a couple summers ago where the country went from green to brown from space, I’d worry about forest firesby gboss
1/13/2025 at 10:55:54 AM
There aren't many forests, and those left aren't big.by csvm
1/13/2025 at 11:17:07 AM
There are large parks, and much of London is leafy. The limiting factor is wind. So far it's extremely unusual in the UK to have very dry conditions with strong winds, so fires are much less likely to spread.by TheOtherHobbes
1/12/2025 at 9:32:29 PM
Let's hope it lasts: https://www.ft.com/content/7711109e-0338-43ad-aada-853f058a2...by nprateem
1/12/2025 at 9:05:31 PM
https://firststreet.org/ will report climate risk, for a given address. I live in a part of the Bay Area with the following risk factor profile:1/10 Flood. 1/10 Fire. 1/10 Wind. 7/10 Air. 3/10 Heat.
Seems manageable. Of course, earthquakes are not climate-related.
by aworks
1/12/2025 at 9:30:25 PM
The odds of the UK experiencing 40°c heat in the next 50 years were put at 0.02% a few years ago. It happened the following year.Those stats are meaningless. 1/10 just means unlikely but the dice could still land that way.
by nprateem
1/13/2025 at 4:00:28 AM
I don't know, seems incomplete even for climate stuff. It shows some front range locations in CO as having no real risks, but there's no category for hail, which is a regular and very serious climate and weather related problem.by rpcope1
1/13/2025 at 3:52:07 AM
Other than relatively rare ice storms, central KY always seemed to not have super crazy weather.by rpcope1
1/12/2025 at 8:43:33 PM
You mean like, Wisconsin?by tptacek
1/13/2025 at 3:10:15 AM
Plenty of tornados, cold, or lightning there.by bluGill
1/13/2025 at 3:15:03 AM
No, Wisconsin doesn't get a lot of tornados. "Lightning" is pretty funny though.by tptacek
1/13/2025 at 6:37:55 AM
Wisconsin gets plenty of severe weather. Minnesota and Wisconsin also get brutally cold in the winters. The cold weather patterns tends to dip down over Minnesota then get pushed back north by Lake Michigan.Map of tornado between 1950 and 2021: https://databayou.com/states/tornadoes.html
by SkyPuncher
1/13/2025 at 6:40:28 PM
We need to stop having government bailouts for natural disasters, that just incentivizes people to keep doing what has been shown not to work.by silexia
1/14/2025 at 5:00:20 AM
Like the insurance in Florida and hurricane disaster relief.by xcrunner529
1/13/2025 at 6:12:31 PM
I do not get why there are no new build codes like "every house needs a pontoon cellar that could lift the structureby ashoeafoot
1/13/2025 at 4:23:12 AM
Man seeks to tame nature and is getting repeatedly humbled more and more these days, or at least should beby garbagewoman
1/13/2025 at 8:54:15 AM
OMG! People build with wood in a fire/tornado/flood area?? Is that even allowed?by M95D
1/12/2025 at 8:49:50 PM
why is that 'instinct' to build out of wood? The instinct is to build wealth, and it's cheaper to build wood than brick.I find Western European construction standards to be higher than American. European homes feel like they're made out of brick and stone, seem better insulated, and American homes feel like they're wood-framed with giant modular pieces of wood (at least here in the northeast).
by mancerayder
1/12/2025 at 9:33:03 PM
London doesn't have earthquakes. Masonry is a death trap.by adastra22
1/13/2025 at 5:00:33 AM
Exactly. This is the dilemma in LA. Build masonry frame and die in an earthquake. Build wood frame and die in a wildfire. Metal framing with concrete or other nonflammable siding?by cudgy
1/15/2025 at 6:56:04 AM
Mass Timber (engineered wood), https://en.wikipedia.org/wiki/Engineered_wood, is being used to build large buildings and meets building code's fire resistance standards.Is Mass Timber Fire-resistant? https://www.youtube.com/watch?v=I9Y35Zsga1Q
How to build a wood skyscraper: https://www.youtube.com/watch?v=2qry7AmdIn8
Google's first mass timber building in Sunnyvale, CA https://www.youtube.com/watch?v=JHnR-HdvTAA
by canucker2016
1/13/2025 at 7:42:32 AM
You can evacuate from a wildfire. Earthquakes catch you by surprise. The choice is die in an earthquake, or just have your possessions destroyed in a fire.It's not your choice though, state regulations prohibit earthquake-unsafe buildings.
by adastra22
1/12/2025 at 9:25:50 PM
The Great Fire of London put a stop to wooden houses in the UK. Maybe the same will happen in California now.But having seen the pictures from social media of the torrent of embers, maybe a few more homes might have survived but probably not many (unless they concreted their gardens too).
by nprateem
1/13/2025 at 3:33:06 AM
Roofs are the main problem. Usually they get in through an attic vent, or they catch the eaves on fire. They burn from the top down.by bcrosby95