Once bitten.... twice shy?

Clip from the Daily Herald...

"In March 1995, nine homes were destroyed when some 600,000 tons of earth fell onto the town after a powerful storm."

Okay... I've been accused before of being an insensitive prick... but can you please answer this question?

If the SAME thing has happened before about 10 years ago... WHY THE HELL WOULD YOU BUILD THERE AGAIN? Are people really that stupid? As Barry, a guy I work with, said earlier today... "...if that happened, I'd take that insurance money and rebuild ELSEWHERE! I'd NEVER rebuild in the same place!"

3rd house is a charm??