I would say immune is nigh impossible, but when you know that a place is going to be overwhelmed, you've been told for years it is coming, and you neither prepare to shelter in place for the event, nor relocate in a suitable amount of time to avoid the disaster, then what does that say?

There are no absolutes, but there are places much more suitable than others. Ultimately, I suppose anyplace has it's risks. I am in Denver now, and there's a chance that this area could take an asteroid hit, or be covered in ash if the Yellowstone Caldera went off, or have some errant earthquake phenomena occur, or a terrorist attack. But the risks of such events here are not being predicted with such a great deal of alarm as was provided before Katrina hit.

Let's put it another way. Any sailor worth his salt puts to sea knowing that there's a certain inherent risk in the venture. Likely they will check the weather forecasts, talk to the Coast Guard, or at least check all the emergency gear they will take with them and make sure they are well prepared for the routine precautions. Now, people put to sea all the time, but what kind of individual is going to plan a trip out without checking at least the basics; or if having checked the weather report and hearing advisories that sailing might not be such a good idea, goes out into it anyways? Either this is a person who is prepared for just about anything, or it is a fool.