Don't build in flood plains.
Don't build where there are earthquakes.
Don't build where there are wild fires.
Don't build where there are targets for terrorists.
Don't build near giant caldera's like yellowstone.
Don't build where droughts and heat extremes are common.
Don't build near blizzard country.
Stay away from places where ticks and mosquitos carry disease.
Avoid rural areas where medical care is distant.
Avoid urban areas where crime is high.

And certainly don't pay for other people's mistake to do so.