Here in Australia, dont have to worry about anything. At least were I live anyway.
Floods: I live in highland
Earthquakes: Only ever happens in Tasmania with around 2-4 on Ricto Scale
Fires: Yeah it happens all the time, they're on every year.
Tsunamis: I have a huge island in front of me to break the wave.
But Im still worse off, how? I only got bread and butter in the choice of fish.