Sure, but there are people living in places where it’s a guarantee that it will happen every year and they still keep rebuilding…

Where I live we had two floods with one year in-between them in 100 years zones and that was enough for the government to say “You ain’t getting any more money from us unless it’s to move elsewhere and if you do, we’re buying your house to destroy it.”

As you say, it’s coming for everyone, we need to act accordingly.