I don't disagree with anything you said, but the same thing could be said of
San Francisco, Los Angeles, Miami, Seattle and probably others. All of them
are in the path of potential large scale destruction.
I bet you didn't know that a volcano in the Canary Islands is extremely
unstable and likely to collapse into the sea. When it does, it will send a
200' tsunami onto the US east coast. Can you imagine what a 200' tsunami
will do to NY, Boston, etc?
Or that Yellowstone Park is a supervolcano, with an overdue eruption. The
last time it errupted, it put several feet of ash over much of the US.
So what are you going to do? You just have to do the best you can, and hope
to dodge the bullet.

(New Orleans has a bigger problem than being below sea level. Eventually
the course of the Mississippi will change to go well west of the city. When
that happens, they will have no drinking water since the sea will back up
into what is now the Mississippi. The Army Corp of Engineers is stopping
from happening, but it seems inevitable in the next 100 years.)

Now, what does any of this have to do with home repair?