Huh? I'm going to guess that one hurricane hitting the US costs more than every tornado that has ever hit combined. Also, haven't I seen a video of a tornado in Florida? Bet you haven't seen a Hurricane in Kansas.
I certainly hope you're joking. The point is that most people have to pay for insurance they don't need and those who pay higher premiums are being sucked even more dry by the great insurance machine. Martin's comments were papal in scope if confined within the Vatican borders. Sunny