You know I actually agree with that POV except that there are very few places on earth that are not subject to some kind of natural disaster.
But obviously in those places where the possibility is clear and present danger (like homes built on sand bars) I'm totally with you.
However, even in the areas that are prone to certain types of disasters, one can specify building codes with those disasters in mind. Of course, that involved government regulations, an anthema to 'Conservatives' even when those regulations save lives.
Are you familiar with Wilshire Blvd in LA? Recently discovered active fault lines go right down the middle of Dwtn LA.. Calif code prohibits building within (get this) 50FEET of an active fault zone.. Tell me how pragmatic or enforceable that building code is.. How many lives in DWNTN LA are at stake?
Building codes are used as clubs to force neighborhood conformance.. AND to protect builders from lawsuits. They DO NOT ever represent the best practices that the industry COULD perform..