Not sure if this is politics - but at what point do we stop subsidizing individuals desire to live in places that are cleary prone to natural disasters?

The US East and Gulf coast regions get hit by hurricanes from time to time. The South and Midwest are frequently hit with flooding and tornados. Many places in the western US are hit by wildfires. Some areas get hit by massive blizzards. The West coast regions get hit by earthquakes, wildfires, the occassional mudslides and even volcanoes.

What's left? Some 50% of the US population lives within 25 miles of a coast and/or in an earthquake zone. Where should they relocate to?

I strongly suspect that the government programs that help people rebuild after hurricanes and the like were passed (at least in part) to help line the pockets of developers who wanted to build and sell homes there.