I'm not in a high risk area, despite what the ins. folks will "prove" by their statistics. The coastline is, and always has been ... overdeveloped for 4 decades now. Here .... where 3 houses were on 120 acres when mom was a child ... there are several hundred houses built in the past 40 years in places I saw become lakes one afternoon in around 1970. My house was in my rural boy scout camp back then .... surrounded by a bazillion subdivisions of McMansions now.
Cheap houses .... compared to coast or CA .... dirt cheap...
And there is BIGLY money in these parts too... BIGLY, BIGLY $$$.
I'm not one of those