Hawaii ranked worst state to make a living

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I know of a large city that built all of its hospitals, clinics, major commute train, along with the regions water, gas, airplane fuel, etc. all either crossing, or straddling a major fault with the regions main water pipes directly upslope of the largest high school, with a major gas pipeline running down the street in front of it. Then they built a huge shopping mall on bay mud fill. If a dam nearby were to breach, or a tidal surge were to happen, over half the housing would be under water, but yet no FEMA guidelines are enforced for those areas when additions or new housing tracts are built.
Is that proper planning, or just tax base greed that is all insurable development?

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