While I'm willing to accept that I may lose my home and possessions to a natural disaster or accident (like a fire), I really would rather not if at all possible. Sure I'd survive, but it'd still suck (also survival is not guaranteed either, Hurricane Katrina killed 1833 people back in 2005, for example).

The only real risk around here is tornadoes (and we did have one touch down within 5 miles of us just last year, damaged a couple hundred homes, uprooted some trees, and rendered 20 homes unlivable). From a recent article, some of the people with damaged homes are still dealing with it six months later, and some homes just have tarps where a couple of their walls were, still (it was already hard to hire people even before the tornado struck, also they had issues getting insurance to approve things).

I wouldn't want to willingly move to even more likelihood of problems, like near a beach in the Gulf Coast or Arizona (which is about to have severe water problems soon as Lake Mead upstream is drying up fast).