I personally don't care how large the risk is, I care that the operator pays for it instead of the neighbours. The operator can discuss the risk with actuaries and engineers that work for insurance agencies.

Germany is well described as a mixture of densely populated and even more densely populated areas, with very few large and sparse areas. (There was a minor scandal a few years ago, after an airplane crash. Each airport has some sort of designated crash site, "dear pilot, if you can't avoid crashing, try to do it there". Some airport's site was near a village, because there was nothing uninhabited nearby.)