After watching the destruction from Hurricane Charley and the deaths associated with it

I got to wondering about something.....WHY do we put ourselves in the path of Mother Natures furry? Why do we live where we do? Take for instance, me......I live in the one of the most fire prone areas in the West now due to #1. The never ending drought. #2. The massive beetle kill. We know the dangers and yet, we're still here. NOW.....in our case, this fire danger we live with day to day CAN and WILL be rectified in the coming years, thanks to the Bush Admin, the forests are FINALLY getting thinned but....those who live in the hurricane, tornado prone areas, are at the Mercy of Mother Nature. I realize that hurricane season lasts only but a few months and the benefits of living in these areas FAR outweigh the season.
I know there's a basic, simple answer here BUT......I believe there's more to it than just the obvious. I remember back in May when WildFire season started, I had posted an article stating that this was going to be another killer season and a member asked me why I stayed here, I replied with an obvious answer, because I love it up here. So......is there more to it?
Dennis