Yeah, there have been hazard-ranking maps for years for that island -- I don't understand why anyone would build in the high-risk zones.
Like building in a floodplain...
There are so many considerations...
... in the rockies, high fire danger during certain times of year
... coastal regions, hurricane season, flood danger, termites/bugs
... nearness to major waterways, flood danger
... tornado alley, wind damage (can you say "gotta have a basement"?)
... DFW area, very frequent hail/tornado issues, clay soil that wreaks havoc on foundations
... California coast, earthquake, mudslide, fire danger
... frozen north, blizzard, power outages, hazardous road conditions
... proximity to something with propensity for disaster, chemical plants, nuclear power plant...