Disaster prone areas are uninsurable due to climate change costs. This is market signal to not live or build there. Some will be sad, sadness is unavoidable.

Citations:

https://news.ycombinator.com/item?id=44477195

https://news.ycombinator.com/item?id=43366311

https://news.ycombinator.com/item?id=42450680

https://news.ycombinator.com/item?id=41664750 (top comment of this thread aggressively relevant)

https://www.hbs.edu/ris/Publication%20Files/24-051_f1329bc3-...