Tom frankly, don't apologize because I know that I couldn't agree with you MORE, myself.
Sure, I feel SOMEWHAT sorry, for anyone that looses their home and belongings to any disaster.
But, like you mentioned in the Boise area and, those houses on the island.................. "what do you, expect??
Several years ago, here on the Oregon coast where I live, there was a group of "super intelligent, highly educated, couldn't tell them anything", doctors, lawyers and the like that of course, had "far more money than common sense".
Sooo, they decided to hire an equally intelligent group of contractors, to build a dozen of the most beautiful homes, ever seen or built, on the coast up until then.
"WHERE", did they build this "private and super expensive neighborhood"? Well, right down, on a sand spit, called "The Salishan Spit". NOTHING, but pure, loose, clean, beach sand. Not a bucket full of top soil, or, dirt of any kind, for miles.
Of course, it was AT sea level and a few home lots were even BELOW sea level. So, they drove in "secure pilings", so they claimed, but only 5 feet into.....................THE SAND. The "retaining wall to hold back the force of the Pacific Ocean, was made of "rip-rap" and about 8' high.
Well, to make a long story, longer................. the houses once completed, many moved into their new: "super vacation/some year around -4 bedroom-3 bath-triple garage-homes". That November, there was a storm, which we get plenty of every single year, all winter long. It wasn't even necessarily "a worse than average storm", just high winds, lots of rain and of course........ high tides and surf.
In LESS, that 36 hours, Salishan Spit was returned to it's natural, before construction, state of......."long, clean, drifting sand, beaches".
There was not a sign of a home, ever being built on the spit whatsoever. Even the "safety pilings" were washed out to sea!
And, as you also mentioned, happens................. our storm insurance rates went up about 12 % the following renewal date, as well as everyone else, that we spoke to, that lives within even a half mile of the surf!