Comment: Some southern States are their own worst enemy. They know they needed better building codes to withstand the inevitability of hurricane winds but, ignoring how a warmer ocean could exacerbate catastrophic storms, chose to roll back regulations. 
Was Gavelston the worst? Yes by fatalities , it's the largest. But in 2017 building codes far exceed 1900 and there has been progress in hurricane readiness. 
You clearly don't understand the insurance industry. I suggest you don't buy a car or a home. You need insurance for both. And you better save some cash for your internment.