Some suburbs are already uninsurable in Australia, whether due to fire or floods.

As the threat of disasters rises, it is only a matter of time before local residents take back control to protect their family, lifestyle and homes; with local councils assuming responsibility for delivering essential services not being provided adequately by State or Federal Governments. 

This would  shift the focus from 'response' to 'prevention' with a greater focus on building flood barriers, dam and water/river management, bush burning etc.; possibly extending to local city police forces.