I think flooding is highly dependent on location (as long as it's not a basement). As is fire. Look at all the homes destroyed in the wildfires in recent years. The incidence of house fires not related to natural events is decreasing, but the speed that a house burns is faster today than in the past.

It seems like every 2-3 years I hear about an apartment building in my area that has a fire destroying multiple units or the whole building. When I lived in an apartment I deliberately chose an old complex because they were concrete - better fire protection, less noise transfer, and fewer pest concerns/points of entry.