Is the world becoming uninsurable?

Not uninsurable, but buildings are going to have to become tougher.

It's happened before. Chicago's reaction to the Great Fire was simple - no more building wooden houses. Chicago went all brick. Still is, mostly.

The trouble is, brick isn't earthquake resistant. Not without steel reinforcement.

I live in a house built of cinder block filled with concrete reinforced with steel. A commercial builder built this as his personal residence in 1950. The walls look like a commercial building. The outside is just painted cinder block. Works fine, survived the 1989 earthquake without damage, low maintenance. It's not what most people want today in the US.

When I briefly lived in Oklahoma I found it frustrating that they use stick frame construction for homes and apartment buildings. Even when we know how to build much safer wind resistant houses.

What I thought was worse was once a tornado rips up a neighborhood builders are allowed to build replacement stick framed homes.

And I’ll huff and I’ll puff and I’ll blow your house down.

Genuine question. Does this story get told to children in Oklahoma, and if so, don’t the children think to themselves “wtf parents, have you seen our house?”.