With climate-fueled disasters killing hundreds of Americans annually and costing communities billions of dollars, a growing number of local governments are asking a basic question: Are there some places where people shouldn’t build homes? It’s one of the most difficult choices a community can make. … But with often deadly extreme-weather disasters on the rise, the problem can no longer be ignored. In the last five years, floods, wildfires, severe storms and droughts have caused more than $580 billion in damage and killed hundreds of people. And some states are passing laws that put conditions on future growth.