Good Info here. I will call attention to one specific thing:
"Myth Number 3: Disasters Affect Us All
Fact: Disasters are neither fair nor blind. Disasters have a strong prejudice against the poor. "I never fought a fire in a rich person's home," a veteran firefighter once told me."
There are two possible explanations for this.
Economic Calculation: Poor people have fewer possessions, and their house is worth less, so the payoff to investing in fire prevention is smaller.
Social Explanation: Poor people do not have the ability and/or discipline to prepare for events with a low probability of happening. They do not understand how their actions affect the chances of disaster.