build a structure capable of withstanding standard disasters that hit an area or build a cheap structure which will take minimal time and materials to replace. building wooden stick houses in hurricane paths isn't the best idea. building in any flood zone isn't a good idea. ancient cultures had ways of warning future inhabitants to not build below certain areas to avoid floods and we ignored them. where i live worst danger is tornadoes. i have a storm shelter in a hill on my property and the house is only 50k if i needed to rebuild it. i have insurance but the day i get hit i get my payout then cancel it. insurance is a one and done thing. if you cash out then your rates rise to get back at you for costing the company money.
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