One of the ways that rational markets work is by allowing people the results of their choices. Yes, I get that in rare cases the stack of circumstances eliminate many or all choices, but in the main people in America have some of the greatest freedoms. The statisticians are noting where the risks are higher and saying "you can have the coverage if it's worth it to you, but this is what it will cost" and competition in the insurance marketplace pressures the premium towards the average true cost. (sometimes below, because they can invest your premium)

Now, if you know you're an outlier due to lifestyle, hurricane proofing, living ontop of a hill or whatever relates to the main risks of the area, then maybe you're better off not buying it? (iirc mortgage rules don't always allow this?)

Another thing to consider is that a lot of people buy Houses like they do cars. They do not evaluate the TCO, they simply look at the monthly amount (and the smarter ones include taxes, insurance, maintenance)... in a rational market the price of houses in disaster-prone areas would be suppressed by the excess cash-flow required to pay the insurance. Really roughly speaking $50 a month of insurance should remove $5000 from the house purchase price.

Keep letting the market reward those who make rational decisions!