>This isn't just a healthcare issue. E.g. after recent forest fires on your other coast, numerous US householders lost their home insurance and struggled to find more without this risk excluded.
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On MY coast, after Hurricane Sandy, insurers insisted, as a precondition for insurance, that homes near the coast be hurricane-proofed.
A lot of people abandoned their homes and moved inland (smart)
Others opted to hurricane-proof their homes (emotional)
My daughter-in-law, a structural engineer, is making a good living re-engineering those coastal homes to meet post-Sandy requirements.
You like the ocean?
Great.
You pay for it.
Don't ask someone in the desert to subsidize your fetishes.
Insurers articulate reality - they don't create it.