If you choose to live in a high hazard area, you're going to have to pay for it one way or another. It's cheaper to do some hurricane upgrades to your home.

Just like if you live in a fire hazard area, it's cheaper to spend a few bucks clearing the vegetation away from your house, investing in a metal roof, etc. When my asphalt roof wore out, I had it replaced with a metal one. Very happy with it.

If you choose to live on a flood zone, either put your house on stilts, or on a mound, or accept that it's going to get flooded. My dad lived in the midwest, and consulted flood maps when looking for a house. Never got flooded. Washington is subject to earthquakes, and I hired a soil geologist to screen the property for slide risk.

If a large tree is close to your house on the windward side, hire an arborist to trim back the "sail" on it, or just have it removed.