Agreed. My views are based on expected situations for my particular area. If I were along the coast or farther southwest or west of here, I'd have to figure on hurricanes, tornadoes, and more than micro area flooding. Our usual threats are relatively minor compared to the rest of the country. Even moving across the county would require a change of viewpoint. The terrain in a particular area over there causes a wind funnel effect. They get many more occurrences of tornadoes and straight line winds.