I generally do not reference The Slimes
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But even a broken clock is right twice a day...
https://www.nytimes.com/2021/09/24/climate/federal-flood-insurance-cost.html
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I agree.
When I was a young lad, anything on the beach was a camp or it was a cinderblock motel or a multistory building capable of withstanding high winds and water.
Personally, I don't think an insurance policy should be written for anything a ten or twelve-foot storm surge will flood. Sandy was around fifteen, Katrina was twenty-eight. Those are unusual, and flooded areas that are rarely flooded.
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