There's no need to draw a discrete line and say it's inappropriate to be on the wrong side of it. People should be able to live where they choose. But people should also pay actuarially fair insurance premiums and market-driven prices for energy and other services, based on those risks and the associated cost to serve them. That's not happening today, because market distortions created by government entities force people in lower-risk areas to cross-subsidize expenses for people in higher-risk areas.