It seems that only a few years ago we were all in lockstep with the typical "libertarian" solution: tell people not to live too close to the ocean (or in earthquake zones or in wildfire-prone areas); tell people not to have families and babies until they can make enough money to support them, tell people not to borrow more money for a house than they can afford. Get it?
Update: Monday November 19:
Some students from an evangelical high school in Colorado traveled to Toms River NJ (10 miles from the ocean) on their homecoming weekend to help residents. The girls tore down drywall, the boys cut trees. Any concern about building codes yet?