But also, even if you do have money and insurance, the choices are either rebuild where you are, or move and sell the property to someone else who will build on it.

I mean, I WOULD be down with the idea of karma if we had an extremely small, targeted hurricane that ripped Mar-A-Shithole away to Oz and took DeathSantis with it. alas, that's not a thing.

and who we can then ask "WHY'D YOU MOVE THERE STUPID HUH HUH HUH" idk, why do people get rare diseases? "You should have picked better parents on the astral plane."