Of course YOU WILL LOOSE YOUR HOUSE IF YOUR BEHIND ON PAYMENTS.
Sell the house.
Insurance is there in the hope that you will never need it! For instance, having your home fully insured would be an asset if your house suffered a fire and was totally gutted. But, if you never suffer a fire gutted house, your insurance payments are outgoing payments that are not recoverable.
is there any help out there to help make house payments
At the discretion of the lender, a house can be foreclosed after a period of missing payments.
It means that you have to make monthly payments on your house.
To build a house that is relatively safe from a tsunami, it should be made out of wood, so as to be able to move, without just being destroyed. Of course, no house would be totally safe from a tsunami.
4) How do Maggie and Dee regard the fire that destroyed the house?
It sounds like you would be expecting a refund. You owe your mortgage payments even if your house gets destroyed. If you paid six months ahead your money is gone. You won't get it back but it would reduce what you own on your mortgage. However, if you have a mortgage then it is likely you have homeowner's insurance that would restore/repair your dwelling.You may also be expected to make your monthly payments. If you are contemplating this type of move it would be best to discuss it with your mortgage company before you send in any extra payments.
Not unless your bankruptcy did the right things to allow you to keep it. If you are not in arrears in your mortgage payments before filing, you have to continue making the payments - preferably before the due date. If you are in arrears, you must file a chapter 13, with a plan to pay the arrears and whatever part of the unsecured debt you have to pay. Once the plan is completed, you can keep your house. If you get behind in your post-petition payments due, the bank will apply for relief from the automatic stay and you will lose your house.