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I live on Long Island. a good number of people live along the coast...Most don’t.

I rented a house back on a south shore canal in the late 1970s while in my 20s. I shared the house with another boat owner and it was a fun 2 years till I got married and bought a house in 1981 but not near a flood zone.

I would NEVER buy a house on the water. every few years you will get property damage and once every half a century or so, you stand a good chance of getting pretty much wiped out.

I do not believe the government should offer insurance, which will be paid by you and me when disaster happens, just because someone wants to live in a disaster prone area so they can have a home and a vacation home all in one.

I can understand living in flood prone areas(and offering some sort of insurance) if you are a farmer and live on a flood plain as that is where the best bottom land is...or even for a commercial fisherman, though you do not really have to live where you fish.

I feel sorry for those who lost everything,(I personally helped out where I could after Sandy) but you shouldn’t be living there as a vacation house, if you cant afford to have it fixed yourself.

that goes for NY, NJ and the below sea level city of New Orleans. New Orleans should never have been rebuilt, especially on my tax dollars...move it up river or just let it go.