Why do people In Tornado/Hurricane zones still build the same destroyable houses?

[mrnyc]

because everybody pays them to rebuild, including the government and your own insurance fees.

yes they pay higher insurance fees, but still some of yours cover it too resulting in higher rates for all.

plus your tax money.

most places you don't really know when disaster strikes, but there are some places where disaster is a regular well known thing and insuring them sucks (looking at you florida).