The very nature of space settlements makes them far more resistant to natural disasters than humans living open on a planetary surface. That's why we need space settlements. Yes, indeed, space settlements are far less vulnerable to disasters precisely because they will to be able to permanently protect against constant dangers that are not "disasters" but that you mislabel "disasters" like the thinner atmosphere and radiation. It is laughable for you to compare the severity of dust storms on Mars against people living in sealed habitats to disasters on Earth. We need to settle space ASAP because we never know when the disasters I enumerate will happen (and they all will happen); do you deny that having resource depots in space, and infrastructure in space to be able to warm planetary surfaces and the like, will help humanity better face disasters on Earth?