On the topic of insurance:
So I own a home. I have insurance. I live in California, thus I also have earthquake insurance. My primary insurance does not cover flood. Basically, it only covers fire and (major) theft. I asked. This, I had to buy or else I couldn't get a loan.
The earthquake insurance is through a private insurance company, but is backed by the state of California. Apparently, no matter who you buy it through, it is really the same thing, I guess the thinking is since you're already buying insurance from a company, why write two checks? Why not let that company do the bookeeping. It costs about as much as the "regular" insurance. This was optional. The rate varies based on where you live and how likely a quake is to hit there.
Apparently private insurance comapnies found creative uses of business law to avoid paying in the '94 Northridge quake, thus the state backed insurance.
It might be a useful system to replicate in the hurricane prone regions of the US.
Nuclear power plants recieve a great deal of attention, despite the studies showing the second worst nuclear accident in history (worst in US history) did so little harm, it is debatable if any was done (to citizens of the surrounding communities):
http://www.ans.org/pi/matters/tmi/healthstudies.html
http://www.tmia.com/healthsafety/wing4.html
Fear dominates all talk of risks.