IMO the middle ground is to move!

I live in a place where other than a 3-4 days of average annual disruption due to snow, the only real natural disaster risks are associated by poorly engineered and maintained sewers backing up.

I find it bizarre that I've spent millions over the years providing disaster recovery and resiliency for relatively unimportant things, but the combo of a devastating hurricane in Texas and major earthquake in Northern California could essentially trigger a economic calamity.