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You're accepting that risk living in those zones. Nobody is surprised when Florida is hit by a hurricane, or when it's forest fire season in California. It kind of feels like God is saying stop living in those areas, or punishing them.
It is possible to mitigate a lot of risks by building appropriately. Like I've seen houses built in places at risk of floods where much of the first floor of the building is designed to blow away while the upper stories are supported on pilings. People in fire areas can keep the area around their house clear of fuel, and build their roofs out of non-flammable material. Skyscrapers in earthquake zones are built on shock absorbers and have inertia dampeners.