Chunks of NZ are becoming very expensive to uninsurable, and extreme impact weather events are getting more frequent.
It would be fair say a good portion of the population don't understand the maths of a weather event just how astronomically expensive a sudden flood is.
In our small town in the last 5 years, we've had 2-3 different "1 in 100 year" floods within 30km of each other (highly localised dramatic flooding and slips). To the point "1 in 100 year" is now a standing joke.