> I mean is it irresponsible to live in a hurricane prone area?

Climate change really doesn't have an opinion on this. Here's a paper from the EPA:

"What Climate Change Means for Puerto Rico"

https://19january2017snapshot.epa.gov/sites/production/files...

As someone who believes climate change is fact, if I had the economic mobility to move my life away from such an area I would. Sorry if this seems harsh, but people much smarter than me agree that these areas are going to be prone to worse and worse conditions in the coming decades.