Earlier quoted context omitted.
Your commute happens about 250 days every year. A big earthquake happens maybe once ever 30 years. Buying a house takes 30 years to pay off. There's a limited supply of land; if all the houses in safe zones are taken, it may be worth it to some people to roll the dice on a house with natural hazards that's cheaper yet still close to everything. They're optimizing for the common case.
I’ve lived in blizzard territory and tornado alley. I have friends in hurricane zones. Parts of the US want to cook you alive. There’s nowhere in the country without something or another trying to kill you.
Not to mention a huge supply of fresh water.