Are you saying that people in Montana should pay higher rates because people in coastal areas are building expensive homes that will need to be replaced at some future date in many cases?
People that live in high-risk areas should pay the costs of that decision. Not everyone.
Free Markets 101...
State Farm should be able to decide where they want to do business and how much to charge,
Homeowners can decide who they want to insure them and if they get a better deal then they should choose that person...
If no one wants to offer you the insurance that you want at the price you want to pay, then you are probably unrealistic in your expectations.
If you are not unrealistic, then some competitor will come in to offer you the insurance at the price you want.
If the above doesn’t appear to work right, check and see if the government is involved in the market and if they are, that explains the mix-up...