Everybody is saying that the Great Lakes region is a climate haven, but it's intensely vulnerable to both polar vortex events coming down from Canada and wet-bulb heat waves coming up from the Gulf of Mexico. The middle of America is flat; there is no natural barrier to stop a frigid or sweltering airmass from moving in. This has already happened multiple times within just the last few years.

In terms of death toll, a power outage during a severe deep freeze (with subzero temperatures and -50 wind chills) or a wet bulb event has a far greater lethality potential than wildfires. The most deadly wildfire in California history was the Camp fire that leveled the town of Paradise; it caused 85 deaths. The Oakland Hills firestorm of 1989, immortalized in SimCity and several made-for-TV movies, only caused 25 deaths. By contrast, the 1995 Chicago heat wave caused 740 fatalities, and even the 2024 polar vortex event that barely made headlines killed more people (90) than the Camp Fire.

(Also note the low absolute numbers of even very severe, headline-grabbing natural disasters in developed countries. And that good construction can mitigate almost all of them. You are probably better off, in strict actuarial terms, by settling in a place where you can make a lot of money and then using it to prepare your home for disaster than by settling in a place that is cheaper but where you can't afford the latest building technology.)