Very true! Life will always have risks and dangers. Until we come up with the 'weather dissipation grid' from Star Trek TNG there will always be tornados, blizzards, etc. Common sense and proper building types can mitigate a lot of dangers but probably not eliminate them entirely.

Apropos of nothing, life would be a lot safer if most homes were monolithic concrete domes. They are virtually fireproof and supposedly can withstand a direct hit by an F4/F5 tornado. If homes were built this way about the only risk would be flooding.