@Nicky109 Thanks for the reply. I guess I just feel that simply because those of us who live in areas which are prone to natural disasters may take it in stride and not be panicked, but just take sensible precautions, I don't expect those who aren't from here to feel the same way. Like I said, when that monster hurricane was due to hit here (it had actually surpassed a Cat 5 in wind strength!) I took my own precautions for the safety of myself and my dog and wasn't particularly afraid (I also happened to grow up in the Midwest US, in tornado alley- every spring there was at least once or twice when we had to take dinner down to the basement, along with transistor radios, bedding, etc, so I know that hurricanes and tornadoes are survivable if you have a safe place to ride it out, as opposed to say, a forest fire, which one can't hide from).
But my daughter in Canada phoned me in a panic, asking if they were evacuating the area, and telling me I should leave no matter what, without understanding that it would be more foolish for me to attempt a 2 hour drive on a coastal road (the only way out) jam-packed with fleeing motorists than to stay put in my "safe spot".
However, I'm also aware that even if one stays safe throughout an event like this, the aftermath can actually be horrific- downed trees and power lines, flooding, communications systems down, disease from flood waters, etc. No one can accurately predict that.
So yes, it might be silly for Airbnb to allow free cancellations even if we have reason to believe a natural disaster won't affect us, and we know that it wouldn't have impacted guests' enjoyment of our homes, but most guests would insist on being able to cancel anyway due to what might be unwarranted, but normal human fears for their lives, so Airbnb has to cover their butts in case they refused to allow the cancellation and it turned out to be a situation which actually did result in loss of life or injury.
Believe me, I disagree with a ton of Airbnb policy, and they refund guests for bogus extenuating circumstances all the time, I just don't personally mind this one, I understand it.