There are not many choices in our country for avoiding potential extremes. So I agree with you we pick where makes us happy and roll the dice.The weather here is more capricious than I may be comfortable with. I keep reminding myself that the vast majority of people who live in FL - even along the coast - have not been wiped out by weather events. So the odds are on my side.
"the only safe place to live is an Indian Reservation, and the band played on".
(eve of destruction, tax deduction, city inspectors, bill collectors)