One thing that chaps my rear is when I get my insurance bill and it has gone up due to some disaster in another part of the country such as a hurricane. I have been told more than once by our insurance company that my rates are going up because of the severe damage by hurricanes some place else. This will surely happen again next year after this season is over. Haven't seen a hurricane here in Denver since I can remember.
We have property in another part of the state here, it is rural. I dang near have to beg to get fire insurance. they literally come out and inspect the property every few years and if I am unwilling to abide by their recommendations they will cancel the policy. Trim this tree back, remove this tree, add more rock here etc there is a fire hydrant right at the end of our driveway granted it is a couple hundred yards away, there is a volunteer fire station at the entrance to the community again it is a couple miles away. While I am good about defensive space and wildfire mitigation on the property and make it a real priority others in the area do not. When I needed to replace the siding on the house I chose Hardie planks the cementacious stuff, it doesn't burn. When I had to re-roof the house went with a metal roof instead of shake or 3 tab. Is the house burn proof no but it is going to be a heck of lot harder to get burning than if it had cedar siding and a shake roof. There are many people here in rural areas who cant get fire insurance period even though there has not been a fire in that area in recorded history other areas have had fires 50+ years ago . Why do they not take that same type of approach in the hurricane areas, flood areas etc. You know they are going to happen and nothing you can do to stop them.
Address it in the building codes which they do to a certain degree, address it in the zoning codes, address it in the local insurance premiums, address it in the insurance requirements. If you want to live in your paradise you need to pay for it don't expect everyone else to pay for it. Who in their right dang mind would put a trailer in a well known hurricane area then cry about losing everything when it gets blown away, well just about everyone who does it.
If you need lower cost housing in the area to support lower paid employees and their families then figure out a way to handle it locally. I realize the following is not near to the same scale but ... Many of the ski resorts here have a real problem with employee housing that is affordable to their employees. So many of them live quite a distance away 50-60 miles to commute in winter time to a $15 an hour job. Vail and some other towns have done similar, built housing locally, rent it cheaply to the employees. It was paid for by ski ticket taxes, resort taxes, local sales taxes. These are not mansions or even what I would consider enough space for my family but nonetheless they have taken steps to try and help the situation themselves at the local level.
Accept responsibility for your own actions or lack of actions. If you cant afford the proper structure or insurance don't live there or live with the consequences. If the local community doesn't have workers to keep their area running as it should due to cost of living then figure it out within your locality. No one wants to pay more in taxes, no one wants more governmental interference than necessary, no one wants to see others lose everything or in severe distress, no one wants to subsidize the same thing over and over again. Learn from the mistakes and short comings and move forward with that new knowledge hopefully improving the situation continuously so that at some point in the future it is no longer an issue.
Attention: TDR Forum Junkies 
