And (c) in the long term influence the risk. Insurance companies have long worked to improve auto safety. This benefits everyone. This needs to be applied to more significant risks, like fire flood and storm.

I think we have to get much more serious about prevention. People are doing this:

Fire safety:

https://www.npr.org/2023/08/24/1195331310/red-roof-house-fir...

Storm safety:

https://abcnews.go.com/US/mexico-beach-home-survives-hurrica...

We need to mandate this kind of building in new construction and modified construction.

It may be worthwhile to subsidize this, to help with turning existing high risks into low risks.

We need to be more severe on forbidding building in danger zones, and more accepting of insurers pricing these based on risk, so they don't have to leave the state, and others can be priced to more common levels of risk.

We also need to not allow rebuilding in areas that will have these problems again, without some way of mitigating. We should not have to pay for someone's third house in a flood zone. But if you can make it flood proof after the first one, great.