Some cataclysmic events come at us out of the blue. No way to prepare. No way to mitigate. It's there in your face! Always?

Of course not. There are ways to mitigate some effects some of the time for those who care to do so.

Why do so many folks not care to mitigate? Well you will have to ask them for the "why". I have no idea what it could be that would make any sense to me.