We will all pay the tab to restructure society to avoid this climate change effect, or we won't and we can expect the people who get screwed to not be particularly invested in being part of this society.
... and if the country is willing to let its state suffer unmitigated disaster, what good is the country?
(Your wise choices mean you will likely come out on top regardless of how high your mountain is relative to the people who chose poorly. How concerned are you that your peak could be a little smaller because you live in a society with 340 million other people, half of whom are below average intelligence... And those people need help?)
If you live in hurricane/tornado land, probably you'd better use bricks/concrete blocks in a sturdy steel or reinforced concrete frame with a deep foundation.