So who do they trust? They trust the city planners who approved the housing developments and are supposed to be looking out for them. Except the city planners are not looking out for them because they are ignoring the science.
And personal responsibility or not, the tax payers are always on the hook to help pay for the billions in storm damage that could have been mitigated if city planners restricted development in the lowest areas. But hey, that would be a financial burden on the developers.
Don't these planners work for the vaunted "government" that you say needs more resources to save us all from indescribable misery and death?
In the Northeast it's the same story; people living on the shore that was wiped out by Sandy are rebuilding in the same spots, hopefully with a bit better construction techniques. It is worth it to them to roll the dice that it won't happen again in their lifetimes, and really that is all that matters because it makes life more enjoyable.
And in the trust department, if our previous POTUS really believed that AGW was a great threat to humanity why would he be buying a house on an island?