I understand and completely agree. These were all things taken into consideration when purchasing our house. I remembered Hurricane Ike hitting Texas back in 2008 and the damage it caused. That's why we chose to purchase a brand new house in a northwestern suburb of Houston. The farther we are away from the coast, the more time and distance a storm has to die down. We also made sure we were not near any type of waterways that could possibly overflow and flood our house. And the new houses are built on a slight slope so that water flows from the backyard around the sides of the house and down into the street.
But even with all of this, mother nature could always choose to prove designers and architects wrong in the end. Local school districts are already closed for the entire week and as of now our school is closed on Monday and Tuesday, but it could turn into the entire week.
Realistically, where in the United States could you live where you are not susceptible to some type of natural disaster? Earthquakes are out west, dust storms in the Southwest, tornadoes in the Midwest, blizzards up north, and hurricanes in the South. You just have to pick your poison and realize they may not occur every year or maybe never in your lifetime.