Comment by reactordev | Hacker News Reader

Comment by reactordev | Hacker News Reader

Parent Full thread

tell me you don't live in the US without telling me you don't live in the US. Everywhere is a disaster "zone", whether it's hurricanes, floods, tornados, dust storms, landslides - They'll find an excuse.

This comment about how we shouldn't be living in disaster zones is completely out of touch with A) Where people live. and B) What a disaster zone is.

Coastal cities (where 59% of people live) will say it's prone to hurricanes and tsunami's, flooding and storms. 50% increase.

Inland cities, floods and landslides - 50% increase.

Desert Towns, dust storms and tornados - 50% increase.

Mountain Towns, floods and landslides - 50% increase.

Nomadic villages of hippies and communes, tornados and floods - 50% increase.

I know not of a single home owner who's premiums didn't go up, no matter where they live.

My rural home insurance in the Midwest where the only risk is tornados has certainly gone up.

When I saw the headline "disaster-prone cities," I thought maybe they were talking about crime or terrorism or something. For something like a hurricane, everyone in the danger area would see insurance rates go up, not just those in the cities. Odd way to word it.

Those hurricane zones are being stretched all the way to Ohio.

That’s a huge misconception of how insurance works.

And those disasters are geographically off. Hurricanes are not a coastal thing for the whole nation, west coast does not get them. Tornadoes are not a desert thing. All those sound like being pulled out of a hat without actual knowledge.

Tell that to the insurance companies that upped my premium for hurricane disasters even though I don’t live near the coast.

I’m at least 500 miles inland. It no longer matters about geography and it matters whether there was ever one in the past. The last few hurricanes went deep into Midwest land so naturally, we are now in hurricane zones.

Sorry are we pretending that hurricane last year, or was it earlier this year, didn’t cause havoc hundreds of miles inland?

Reply on news.ycombinator.com