You really do have a heart of gold.
I think that you are misinformed though. The costs of an unanticipated disaster would be defrayed by all individuals that pay insurace. Regular ones or higher risk ones such as hurricane insurance in Fla and earthquake insurance in Cali are funded by those that purchase the insurance. Hurricane insurance in Arizona would be dirt cheap but is several thousand dollars/year in Fla. So they support themselves.
Hurricane insurance is so expensive in Fla that many go without it - Link
. If you don't want to donate to help these people then you don't have to - just like you are not forced to donate to help the victims of 9/11 or the victims of California earthquakes and forest fires.
Just curious - are you saying that nobody should live in Fla? Should people live in California? What do you mean by "living in harms way"?
So there's only one company that provides hurricane insurance and that one company only provides hurricane insurance and no other insurance? Otherwise, insurance companies are giant conglomerates that usually stretch nationwide and offer auto, homeowner's, motorcycle, flood, fire, hurricane insurance and probably more. They have to pay $4 billion or so to these people. That hurts their bottomline. It would be the same thing if someone had a $4 billion car and wrecked it. Maybe they'll raise rates more on hurricane insurance, but they'll probably look to make money elsewhere as well.
Also, the country is pouring resources like the Red Cross, National Guard, Charities, etc to help these people out. How about the starving kids? Why not donate money to them instead of some Floridian who chose to build his/her house on a hurricane magnet.
I'm not saying that no one should live in Florida. If they want to, that's fine. If they can't afford hurricane insurance, don't live there though! If they can't afford hurricane insurance, choose to live there, tempt fate and lose, I have no sympathy for them because they were dumb.