This is a really bad analogy that doesn’t hold water.
There are good drivers and bad drivers. There are also good homeowners and bad homeowners. I live in Florida, but chose not to live in a flood-prone area. We also have hurricane clips on our roof, and we just changed all our windows to impact-resistant windows (with the help of a state-sponsored program, actually). Our insurance isn’t that high at all. Could it be lower? Sure, I’d love that. And maybe a national program would do that.
Modern building codes require things like impact windows and that the building be rated for high winds. Older buildings should be retrofitted with things like impact windows, but I would only call those homeowners “bad drivers” if they can afford to do so but don’t. I wouldn’t blame an elderly person on fixed income for not affording to do this and call them a “bad driver”.
I’ve walked around San Francisco quite a bit since my company is based out of there, and I’ve seen a lot of people retrofitting their houses with those diagonal beams for earthquakes. San Francisco is waiting for the “big one”; is anyone who can’t dump money into living in a safer building, or retrofitting the one they own, the equivalent of a “bad driver”? Obviously not.
FYI in Tampa, also called the “Bay Area” to locals, we’re also waiting for “the big one” (a CAT-4 or CAT-5 coming directly into shallow Tampa Bay, which would cause an enormous storm surge). That last happened in 1918 or so and it actually permanently changed the geography where it came in, creating an area known as Hurricane Pass. All we can do is prepare and be responsible to our communities.
Anyways, you can’t lump all people in a geography, regardless of behavior, into one group. It does a disservice to the people who are doing the right thing.
Unless your building has been fully retrofitted for [insert local disaster] or you chose to live outside of [insert worst geography in your area to live with regards to local disaster], then you’re a “bad driver” too.