Living in Lava Zone 2

[achutch3]

Hello All,

My wife and I are coming over this summer to rent for 6 months to a year while we look for a place to buy.  We've visited a few times over the past few years and know as much as we can without living there.  We will be renting in the Hilo/Puna area and will most likely be buying here. 

I've done quite a bit of research on the lava zones, home owners insurance, and risks involved around the differnt zones.  I've seen some nice homes and property all over Puna and just wonder, besides the lower real estate costs in lava zone 2 what else would motivate someone to buy in lava zone 2?    

This is an honest question amd I hope to hear from people who live in and out of this zone.  Motivation for buying there? Thoughts on risk?

Thanks for any insight!