Earthquakes in California are not unexpected. Hurricanes in Florida are not unexpected. Their timing may be unexpected, but not their occurrence. Which means that you can, and should, plan for them.
As a California resident, I pay $$$ on earthquake insurance, which is flat-out required if you expect to get a mortgage on your house. If you pay cash, well, it is assumed you have the means to deal with it yourself.
Of course not. But that's not what you responded to.
Here's what you responded to:
I have no objection to government help for the unexpected, hurricaines in California or earthquakes in Florida fall into that category.
A hurricane is not unexpected in Florida, but an earthquake IS. An earthquake is not unexpected in California, but a hurricane IS.
Due to this (understandable) confusion, I think you missed the point being made :) I could be wrong.
Qwinn