The next largest category of natural disaster fatalities after tropical storms in the US is heat waves. The insurance companies aren't stopping writing polices in places that have heat waves, that's most of the country.
Next after heat waves is severe storms. Same thing. Then winter storms. Same thing.
Insurance companies are avoiding a couple particular types of natural disaster that have the capacity for massive property damage at a single point in time in a concentrated area, mainly tropical storms and wildfires. Those natural disasters just don't cause many deaths in the US.
Tens of millions of people live in those areas. If you're going to talk about "the resulting depressions, financial issues, etc." you might want to give some consideration to tens of millions of people being forced to move, to risk going uninsured, or losing their homes.
Next after heat waves is severe storms. Same thing. Then winter storms. Same thing.
Insurance companies are avoiding a couple particular types of natural disaster that have the capacity for massive property damage at a single point in time in a concentrated area, mainly tropical storms and wildfires. Those natural disasters just don't cause many deaths in the US.
Tens of millions of people live in those areas. If you're going to talk about "the resulting depressions, financial issues, etc." you might want to give some consideration to tens of millions of people being forced to move, to risk going uninsured, or losing their homes.