Please do let me know where I can live that is guaranteed to be safe from unexpected natural disaster.

Not a guarantee, but it appears there's a nearly 200x difference between the most dangerous and the safest countries in the world: https://en.wikipedia.org/wiki/List_of_countries_by_natural_d...

In your mind, probably.

More seriously, nowhere of course, but if the risk is manageable (a fluffy term to mean predictable and not too high) then you'll find an insurance that covers you. Those natural conditions are dynamic though, so where such insurance is available can be (and is) subject to change. Predictably so. Nobody will provide you with the same car insurance when your car is new compared to 40 years later (same car). Things change. If you don't want your insurance to change, negotiate a 40-year term. Forcing them is nuts.