100,000 homes within 40 miles is probably on the low side. Also, a reasonable penalty for unwanted risk bumps up the costs. Further the value of property and possessions likely increases faster than inflation making the time value equation tricky.
More importantly Nuclear is already to expencive before this cost, increasing things further and it's really not worth it.
Also the average American home price is $189k, not $1M. Round up to $200k for cost to move, and we're down to $380/person.
Add in the fact that the worst disaster (Chernobyl) has an exclusion zone of 1004 miles^2 (equivalent to a 17 mile circle, rather than your 40 miles) and we discover that my initial estimate was about 25x too pessimistic.
I'm beginning to think your concerns about cost are FUD. Out of curiosity, since cost is such a big concern for you, do you hold similar concerns about our bloated infrastructure costs? For example, given the bloated costs of the 2nd ave subway in NYC (1 mile of track there costs as much as the entire Delhi Metro), should we also curtail this project? Or is cost only an issue for nuclear energy?
Cost to move is only part of the problem, you need to move while losing all your stuff which may or may not include your car etc. Further, this is not limited to housing but includes farms / offices / schools / factory's and infrastructure like highways and water pipes etc.
As to area, nobody lives in the ocean and houses next to an exclusion zone also have huge drops in property values. So, yes some sort of decreasing metric, as a sanity check the property value drop from being within sight of a nuclear power plant is going to be more than 300$. Further, actual exclusion zones may depend on wind so risk really does extend out to 40 miles.
Edit: As an upside, if you included these costs then there would be a push to place reactors in the middle of nowhere to lower costs which IMO is a very good thing.
PS: As a sanity check fukushima is estimated to cost tax payers ~188 billion$ and many people are worse off after the disaster so real costs are higher than that. If the odds are 0.2% that's ~400 million vs your estimate of 300 * 100,0000 = 30 million.
What if you do the same calculation for Indian Point? I suspect the cost of relocating everyone in New York City and boroughs would be pretty substantial.
More importantly Nuclear is already to expencive before this cost, increasing things further and it's really not worth it.