I'm not gonna get very involved in this debate, since I am something of a fence sitter. That said, we have owned homes in CA for a lot of years, and still have a stick house there that is currently a rental. CA being earthquake country, we have earthquake insurance. The stick hours being in the foothills of the Sierra Nevada Mtns, we have fire insurance. Granted, our insurance only concerns our property, not the huge costs of fighting a massive wildfire (for that the government has to pay), but we would look to our insurance company to re-build our house, not the public. Is there affordable hurricane insurance available???