mudslides and earthquakes do happen steve , but floods and earthquakes happen here too, all depends on where you want to be, like i said bohol, panglao seem to me the place i want to be, but who knows where i will be, all i know is i dont want to be in a built up area,its a case of reading and looking at places that you are intrested in, insurance, well what do you pay and for what, that a tricky one to me, have to wait and see what emails i get back
