Even if the physical risk is minute, most homeowners will always take out fire insurance... Now let's take a look at climate change...

...the chances you will somehow be affected by it, like distribution chain failures, are a magnitude larger than your odds of having your house burnt down. So why haven't you insured yourself? Why haven't you invested in hedging your options, should things go badly wrong. (Nassim Nicholas Taleb's would call it investing in anti-fragility).

We have. We have recently bought 4ha of good farmland plus a small residence with a reliable water supply and are currently converting its mon-culture grassland into agroforestry. By using regenerative farming no pesticide nor fertilizers are needed. Plan ahead as plants take time.

Always keep in mind, if things do go badly wrong you can't eat your million dollar downtown penthouse nor cook your Bitcoin and bank balance sheet. Overnight all money can become meaningless. Tools (yes weapons too, unfortunately), food and energy are all that count. As a child, I experienced supply chain collapse so I now use this past warning to protect my family's future.