Insurance Apocalypse

One effect of global heating is that rapidly increasing costs of no-longer-natural disasters are undermining the foundations of the system of insurance for buildings and property. A single mega disaster can collapse all levels.

This will tend to expose everyone to unpredictable risk of being wiped out.

Is it possible to develop building methods that are proof against the strongest hurricanes? The first step would be to cease building close in coastal areas that could be inundated, but that won't be enough; even buildings at a sufficient altitude can be wrecked by floods, fire, wind and flying trees or bricks.

Building storm shutters over all windows might help with the unforeseen flying objects. Building on stilts could help with the floors. Could suitable choices of building materials and keeping large pants away help with the fires?