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What climate catastrophe-free area of the country does State Farm think it will make sense to still insure homes in?
Also, I thought they were like a good neighbor.
Part of the problem is that many of the states where insurance companies are leaving have rules that limit what they can charge. That sounds good in principle, but with climate change causing these disasters to happen more often the insurance companies are bleeding money. Ultimately insurance as an industry can't work if you keep having losses, and if you can't increase prices to cope then you have no choice but to withdraw.
I've sure State Farm is happy to cover catastrophe-prone areas, but only if they won't lose money on average.