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At least the insurance companies will only have to rebuild some houses once after 2 hurricanes
If people don't have the common sense to not build houses in places that are guaranteed to be destroyed by a natural disaster sooner than later, then I shouldn't have to subsidize their rebuilding costs through my insurance premiums.
That or build something that can stand up to being hit. Tall order, but the inner armchair engineer in me thinks it's like, totally possible.
I think you forget, building it stronger once would cost 50% more upfront. Better to build it twice, or three times at only 100% cost each time. That way you can be the lowest bidder every time.