No problem with working the soil in the flood zone. Building in it and constantly expecting relief is.
Same with ports in hurricane and earthquake prone areas, etc. The cost of the port itself is minimal compared to the housing, businesses and industry around it.
I live in MN on top of the Canadian Shield. Other than a few tornados it's geographically inert and it is by no means a desert.
There, you said it yourself, you have tornados. I sure hope if one flattens your house, you don't expect anyone but yourself to pay for it. No insurance, no government declaration of a "disaster area" allowing you to get low-interest loans, NOTHING. You should have to pay for it yourself.
Obviously you do not have any understanding or appreciation for why towns or citys sprang up where they did or why they remain where they are.
You also obviously do not believe that systems such as levys or quake-proofing buildings are sufficient to offer a reasonable expectation of safety from all but the worst disasters. Never mind that the current flooding is above even the 1993 levels, which was a level of flooding the experts expected to see only once every 500 years. All those "idiots" should have just moved anyway, eh?
By the same token, then, since a tornado, (or major hailstorm, or icestorm, or 15 feet of snow) will surely hit your city in the next 500 years, it is unreasonable for you to remain there, and you need to find somewhere "safe" to live. If you do not move now, then you, sir, are also an idiot, and worthy only of "gene pool clensing."