Everybody wants to be safe. But too many people want "the government" somehow to provide that safety. It can't. You can't. Nobody can. There is always danger from natural disasters big and small, bad actors from drunk drivers to scammers, killers, and other lesser or more amoral people, and simple accident. While some effort to prepare for and prevent some damage from natural disaster can be done it most often is the case that somehow the cleanup and recovery must be done. Sure, "the government" can (and often should) help but you too must do your part. Make life choices that reduce your chance of being involved in a natural disaster, make cost-effective (to you) preparations in the hope they are a "waste of money," and carry proper insurance to spread the costs out among many.
Be aware that a large part of the issue is the natural sympathy of juries and the greed of lawyers in casting blame. As a juror you, you, you, and you need to be very certain that there really is foreseeable blame that is within the "reasonable man" cost-effective test realm. If you yourself, or when putting yourself in the supposed "blame recipient" shoes, would have also "been to blame" then as a juror the only fair answer is not to assign blame. Let the victim take their lumps and ask them why they perhaps have not properly insured themselves. E.g., time-lag delays of, say, 40 years for micro-plastic particles apparently causing harm are the kind of thing that should not accrue windfalls to the few who sue.