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All kinds of natural disasters — hurricanes, tornadoes, floods, wildfires, dangerous heat waves — pose substantial risks to older adults. Yet, not enough seniors prepare for these events in advance, and efforts to encourage them to do so have been largely unsuccessful. The most recent horrific example was Hurricane Ian, the massive storm that in September smashed into Florida’s southwestern coast — a haven for retirees — with winds up to 150 mph and storm surges exceeding 12 feet in some areas. At least 120 people died, most of them in Florida. Of those who perished, two-thirds were 60 or olde…