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The most frequent number of earthquakes in U.S. are in Alaska followed by California.
Geologists determined that the west coast of California has a higher earthquake risk than other areas in the US. They did this by using a seismograph.
Everywhere east of the Mississippi River, plus the whole gulf coast,but the farther away from a coast line, the lower the risk.The areas of the US most at risk for hurricanes are coastal areas on the Gulf of Mexico and Atlantic Ocean.
In California near the San Andreas fault line
It is true that nongovernmental organizations are frequently on the scene before the US military and are willing to operate in high risk areas.
The government regulates reinsurance for the same reasons it regulates most insurance: to protect consumers. Government itself can become a reinsurer where the potential for large losses (while unlikely) is too great for an insurer to reasonably risk. The reinsurance by a government entity does not spread local risks throughout the insurance markets, as does private reinsurance. A good example is the US Flood Insurance offered in many areas. This fills the gap between private insurance and the actual risk faced from catastrophic flooding.
Most urban areas in the US are located in the East (typically along the East Coast).
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AlaskaAleutian Islandswest coast (i.e. Washington, Oregon, California)Rocky Mountainsparts of Missourietc.
Some places are obviously more prone to flooding than others. Areas near rivers, lakes or streams and sometimes the ocean are more susceptible to flooding than those in upper elevations, away from major bodies of water. A handful of factors are typically the cause of disastrous flooding that spreads over a large area.
The polar ecosystem is basically frozen water that keeps areas like Florida from flooding over. So it pretty much gives us more space to live in.