It's always a risk having an ocean front proprty. A lot of these are second homes. If people were smart they had flood insurance. Your a fool if you don't. When I had my house I always had flood ins. Some of these people are very wealthy. It's the people who loose everything that's truly upsetting. I still say it's a sin and tragic, but the second home owners still have houses and are warm at home. For that people who lost everything plus loved ones none of that is replaceable.