Can't think for yourself? This is econ 101. People will try to drive down the cost by:

1) Buying/building smaller houses that cost less to insure. 2) Building using different materials which are less prone to burn. 3) Moving to areas less prone to fires/hurricanes etc 4) Voting for representatives who take this more seriously and install better infrastructure to fight fires/floods.

These are all good ideas which haven't been put in place already because the government has distorted the insurance market so badly people aren't getting the right price signals.