That is just exceptionalism. People view floods and fire as natural events even when they are directly caused by humans. Risk is risk. Insurance and regulations on energy production should be technology neutral. If technology X put $100 risk on society per 1TW/h, and a regulation targeting them reduces that to $1 per 1TW/h, then what technology X is doesn't matter. It is a risk that is carried by society and society has a responsibility to protect itself by balancing the benefit of risk reducing regulations with potential drawbacks.

Who is the primary owners in a power company matter very little. In many countries, especially in EU, the government tend to be the majority owners in power companies operating nuclear power plants. It doesn't change the risk factors.

Also I would never blame victims of flooding or wildfires. People who choose to live downstream of a hydro power dam, or chooses to live in areas with high risk of wild fires, has just as much power as people who choose to live next to a nuclear power station. If operators of dangerous and critical infrastructure do a bad job then the blame tree start with the owners and trickles down to each leaf.