[hrktb]

Crime rates are generally low so the difference between the areas is less a factor than for other countries, but there are soil and geographic positioning factors that weight a lot more.

For instance low elevation areas are usually weak to tsunami, river areas can also flood, and former swamp and artificial terrain can liquify under seisms. There are hazard maps detailing the risks, and avoiding riskier areas will usually cost a bunch.

Buildings also get more expensive depending on their level of resistance against earthquakes.

Sizeable seisms are not that rare (way more than “once in a lifetime” kind of event), so you might still be spending a decent amount of money to try to have a better chance at surviving them.