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This isn't about safety - those places are safe to live most of the time, and the weather predictions are very good at giving you a week notice to get out before the exceptions.
It is just too expensive to have buildings in those areas. Nobody builds a house that can be moved away from those areas in a week. Thus if you live there you need to account for the costs of rebuilding your house every few years when the weather destroys it. Or you need to build a house that can survive the weather - I don't know how expensive that would be.
I don't care if you want to live in those places, but I do not want to subsidize your housing if you choose to live there. Come move closer to me if you don't like it. (note that there are other risks living close to me)
What you're describing is the reason risk pools exist. Someone in a high risk pool pays a higher premium, and there is no reason that couldn't exist with gov run insurance. Personally, I imagine something like 3 major natural disaster claims in 5 years before a higher premium, and 10 natural disaster claims in 10 years to be declared unfit for habitation. After the 3rd claim in 5 years, claimants can accept a payout equivalent to average cost of a safer regional house under the condition to vacate the area
Good actuary science needs to figure out people who while they haven't yet had a claim still belong in the ultra high risk group. There are houses all over in hurricane areas that have never been hit in 150 years, while not too far away some other land was hit several times - this is random chance.
Sorry, but I'm not willing to formulate a major piece of legislation for a discussion on the Internet. I'm aware that something like what I'm describing requires a lot of detail and needs to handle edge cases that I don't even know exist at the moment