[Over2Chars]

I suspect it might have something to do with the prevalence of earthquakes, the likelihood of said structures being damaged in earthquakes, and building codes (I've heard) that require re-building on a regular basis.

When you build you civilization on active volcanoes having long-lasting buildings may not be a reasonable assumption.

And, yes!, they have insurance. So if you can insure buildings in volcano country, you can insure anything, anywhere, maybe?