The consensus among hurricane researchers and forecasters is that the hurricane landfalls of 2004 resulted from the AMO, a natural cycle of hurricane activity, combined with a lapse in the incredibly good fortune of the previous 35 years.
Rich people tend to live on the coast. We all like to live at the beach. The bottom line is that we formed a lot of attitudes based on good luck. Now, damage has gone up because fixed assets have increased exponentially.