Preparing for a hurricane in Florida means building a house entirely out of concrete, moving, or accepting you will lose a lot of your stuff at some point. All of those options cost a lot of money.

You don't need to build out of concrete. In fact concrete isn't a great material to build from, it just happens that the mass needed to work around its limits also stand up to hurricane winds. Conventional stick framed houses do fine in hurricanes when engineered to modern building codes. You see it once in a while when modern houses are near old ones in a hurricane.

True, there are people who can't afford to prepare, but if few do it even among those that could afford it, then the point still stands.

It's unstated but very obvious, because people who aren't able to evacuate, or move away permanently, are those who are too poor to do so.

There are a lot of other reasons for not being able to move away even if you could afford it.

I think we learn more about the assumptions of the complainer rather than who wrote the "witty reply". That and the spoiler can be applied to any number of people in government agencies who are meant to be taking precautions and setting up contingencies.