"Don't live there because it's dangerous" is a bit silly. You're right. Every place is "dangerous" to some extent.
But ignoring the risks is pretty stupid too. Like everything in life, where you choose to live is an assumed risk. I don't know about you but I checked to see if my house was in a flood plain before I bought it. Maybe that doesn't make sense to you, but it sure made sense to me.
There's a development in Santa Maria, CA that makes me cringe every time I drive by it. It is IN A RIVERBED. Not kidding. IN A RIVERBED. And there is a levy around this development about 10 feet high. The riverbed is pretty big, I'll grant you and the river is normally very small. Still an amazingly stupid place to build houses, and I'd never buy one.
You say "eventually something predictable and bad will happen to you". You can figure out how PROBABLE it is that something bad will happen as well, and it's a pretty good idea to do so. How likely is it that a tornado hits YOUR house? Not very likely. Extreme cold and heat can be dealt with pretty efficiently for the most part with the occassional ice storm screwing things up. Earthquakes are a big problem, but you can buy a house that isn't 90 years old that is built to stand up to them. Risk mitigated. Poor neighborhood is a problem that's tougher to deal with, since the fact that you're living in a poor neighborhood probably dictates that it will be hard to leave. Downstream of a dam is one that I would try to avoid at all costs. Right next to a river. Yeah, I probably wouldn't buy there either. The risks of hurricanes could be lessened by the structure you live in, but most importantly where you live. Once again, New Orleans is like a worst case scenario flood plain. Everyone knew it, and 3/4 of the city was able to evacuate accordingly when the storm came. It was mostly the poor people who couldn't manage to get out.