Ugg, complaining about false equivalencies. I'm not seeing it here. Sandbags or sandbag alternatives are incredibly affordable (saying your house came with smoke detectors already is moot) especially when compared to repair costs. And it all comes down to preparedness. If it was $1250 for a fire extinguisher, would you really not buy it? Do you not value your life that much?
What the hell bags are you looking at? Sandbags (filled) are normally sold for $15 each, or if you buy them by the pallet they are around $10-13 per bag. If you buy empty sandbags, they are roughly $0.50-1.00 each. Then just by bulk sand and fill.
There are numerous other options out there instead of sandbags. These for example: https://smile.amazon.com/FloodSax-FS5R-Self-Inflating-Sandless-Absorbent/dp/B019C6C578/ref=sr_1_7?ie=UTF8&qid=1492799785&sr=8-7&keywords=flood+prevention
They store nice and flat and compact. You can find similar ones for cheaper elsewhere. I don't think it's too much to ask these people that have often multi-million dollar houses on the Bay to have some of these around, or at least to buy them from the government.
Here is an even easier solution, and it's only $50/ft for 14" of protection.