This guy is correct to this extent:
When you build your home on a slap at sea level south of New Orleans and it gets wet, it is not a surprise nor should it be problem.
When your beach front condo gets hammered by storm surge and winds from a hurricane, it is not a surprise nor should it be my problem.
In both instances, you should buy unsubsidized insurance or not live there in the first place.
... or along a fault line, or tornado alley, or near a creek or river or anywhere close to a 100 year flood plain, or a mountain prone to avalanches, or living in the shadow of Yellowstone or a Hawaiian volcano, or in the vicinity of a chemical plant, or.....