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

[mrnyc]

you could say well, whuddaboud like the gateway tunnels in nj/ny that superstorm sandy wrecked? why do taxpayers fund rebuilding that?

because its rare, well presumably rare one would hope, and mostly because it will pay for itself eventually via use.

you cant say the same for coastal housing real estate in like florida that doesnt pay anything back in a low tax state and also gets hit by devastating storms regularly.