
The Midwest has laws against building in flood plains
That helps minimize the bill that taxpayers would pay for people's stupidity. Having the US government pay for large-scale natural disasters is one thing; it's quite another to continue to pay people repeatedly for their stubbornness by living in areas that regularly receive disastrous weather events.
"Chicago to my mind was the only place to be. ... I above all liked the city because it was filled with people all a-bustle, and the clatter of hooves and carriages, and with delivery wagons and drays and peddlers and the boom and clank of freight trains. And when those black clouds came sailing in from the west, pouring thunderstorms upon us so that you couldn't hear the cries or curses of humankind, I liked that best of all. Chicago could stand up to the worst God had to offer. I understood why it was built--a place for trade, of course, with railroads and ships and so on, but mostly to give all of us a magnitude of defiance that is not provided by one house on the plains. And the plains is where those storms come from."
-- E.L. Doctorow