This is what people don’t get about places like Florida. The people in Florida are in fact aware that it storms and floods, thats why the house is built on stilts with metal storm shutters.

Sure, but it’s expensive and it’s still devastated by storms etc. Like these building techniques works so well that insurers have left the Florida market because it’s unprofitable to rebuild everyone every couple years, so the state outlawed charging rates that account for the actual expense of it, and now people can’t get home insurance policies anymore.

Like literally it’s already too expensive to keep doing it without a massive funnel of taxpayer money into peoples beach houses. It’s literally only viable to keep doing that by leeching off the largesse of the taxpayer and other homeowners in less dangerous locales.

Florida also has the additional problem that it’s literally built on karst topology, it’s limestone riddled with tunnels and sinkholes so water comes right up under it, you can’t even pump the cities dry like the Netherlands.

Insurers have not left the florida market. The number of uninsured homes is estimated to be like 10-20%, probably what you'd expect given a certain percentage of holdout low income homeowning areas from before florida saw so much inflow in certain real estate markets. The national rate is a little under 10% for reference. Sometimes when headlines and assumptions seem absurd, like no insurance in florida, its worth looking into it a little bit.

Huh? Of course life goes on, but it will be a more resource constrained life, and that will make political negotiations more difficult. If those aren't implications worth worrying about, what would be?