You can build hurricane and tornado proof housing, the building code should reflect this. Flood plain should only be used for farming as best farm land and houses on stilts.
I live in fire area, I have a fire fighting mark 5 pump for 6 2 inch fire hose lines and 1 km of hoses and nozzles. House is fire proof stone and steel with minimal glass.
I don’t do it for fun but it is practical to be able to save your own property, even if government pays it will be pennies and years later.
To help fight fire got ok to make a fire retention pond, I tried for fish pond but holy hell no way with paperwork from government but the pond is ok. Used clay layer when I turned lower fields to line it after summer of baking… pesky eagle must have dropped a trout in. The pond is about size of Olympic pool sized, it has an island in middle which is where main fuel Depot is.