Right---like, what's the cutoff point for the probability of a disaster? The Philadelphia Museum of Art, a bastion/fortress of an institution situated in a mild climate, also sits right next to a river prone to flooding in the Spring and Summer.
Additionally, some food for thought regarding @hourofhistory 's question: developing nations tend to be overwhelmingly located in tropical climates (prone to hurricane, monsoons, and just plain ole humidity). Who/what are we prioritizing if we legislate that museums can't be built in these countries?