it's a good thing until it's your house. when we bought 5 years ago there had been exactly one tornado within a hundred miles of us in the entirety of the historical record. Now there's been one each of the last three years and I'm sitting in what was supposed to be the central investment of my lifetime wondering if its asset value is gonna plummet to zero while the cost for me to actually stay here is gonna become entirely unmaintainable, leaving me with no way to hold this position and no exit aside from maybe bankruptcy. Dispassionate analysis of systems is important but remembering that this system is made of actual human beings and involves what for many of them is their life's work is also important. I did everything right, went to school, got the job, built the nest egg, invested in the community (the historically non-disaster-prone community), now it could potentially all disappear out from underneath me and there's nothing I can do to prevent it.