Wildfires don't really compare to other disasters in terms of damage done annually.
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Drought is interesting. I guess watching
@DesotoCountyDawg 's crops wither away would be less entertaining TV than seeing PooPop's house burn or
@skipperDawg 's house get the roof ripped off in a hurricane.***
But the big one I know personally is storms. I lived in DFW for a decade plus and dealt with a dozen major storms. Sometimes we took hail or wind damage others it was fine. But no matter what my insurance climbed... Not just homeowners, but auto too. I'd have to go back and look, but it at least doubled and likely tripled from 2012-2020 I bet.
But the cost for the actual damage is spread out and increased upon the masses in the region. My guess would be if you live 5 miles on shore in Cape Coral you are subsidizing the insurance cost of that Mcmansion on the canal quite a bit.