Yup, welcome to good old boring Michigan... no hurricanes, no landslides, no tsunamis, no dry wildfire conditions (except for last month), no earthquakes, no water shortages, and few tornadoes.... nothing to give insurance companies a hard time.
I remember someone once pointed out that, that which attracts people to live in a place, also spawns disasters, i.e., the beautiful coasts spawn tsunamis, the beautiful mountains spawn landslides and developed from earthquakes, the tropical islands have their hurricanes and tidal surges.