@Cotswold - I am not necessarily happy about water to the house, but only our garage got a little bit. So, we turn on the fans and open up the garage door to air everything out and later, any paper on the floor gets picked up and tossed in the trash. Then I go pick up fallen branches. The biggest one I've seen this morning looks to be about the thickness of my wrist at its widest part. I've cleaned up worse.
Your other comments are worthy of a simple response. The only places where there are NO disasters these days are either overcrowded or so hot that neither my wife nor I could tolerate the area. Plus they are so distant from the rest of our families as to be pretty much isolated socially.
Should I live in the northeast or in fact anywhere in the norther tier of the USA? Not a fan of butt-deep snow. What about USA's southwest? With days of 120+ degree heat, that's not attractive. The Pacific states? Between forest fires and earthquakes, no thank you. OK, what about the central plains? Oh, did you mean Tornado Alley? That doesn't seem right either.
Basically you live where you live because you DO get used to its quirks and you DO tolerate its risks. This morning, the aftermath of Hurricane Francine is that I have a lot of fallen branches to pick up and drag to where I can work on them. The dragging will occur today after I have digested my breakfast. But with standing water, I want it to dry out another day before I pull out the old electric chain saw.
I am patient because having personally lived through hurricanes Betsy, Camille, Isaac, Katrina, and Ida plus a bunch of other less memorable storms, I know that my house was prepared for worse than we got. It is the nature of the human beast to be resilient in the face of hardship.