Maybe if you live in a forested area, you should be obligated to purchase additional fire fighting insurance. kind of like flood insurance. So, us taxpayers dont get screwed every year, because you built a combustible house in the forest.
What about people that live in coastal areas that are susceptible to hurricanes, tidal surges, tsunamis, etc.? Ever think about what could happen if a huge hurricane hit the Chesapeake Bay dead-on? There's an island on the other side of the Atlantic that's splitting down the middle, and scientists fear half of it will slide into the ocean and send a tsunami across the Atlantic that would hit the eastern US coast, causing a disaster of biblical proportions.

Maybe people shouldn't live on the coasts or near the oceans, and expect help when disasters strike? Or people who live in grasslands areas shouldn't expect help when big prairie fires are coming?