Thanks folk for helping me make my point.
It is not always a single event, but a chain.
In the mid west, the persons per square mile is lower. Yes, it is still a disaster, but the impact to others is smaller. When one hits a major population center, the impact on the economy and infrastructure is massive.
In NYC there are more people living in one of those high rises, than on my whole street (lots are 50-60 foot wide). A structure fire has way different repercussions.
The current Fire in Lake County is over 65K acres with 30 homes lost. There are 30 homes on my Block.
Scale has an effect. Recovery time has an effect (Just talk to the Sandy folk
who are still waiting for
their home). Stack on a second strike and OMG No Money Honey