Maybe the coasts have been constantly battered before, but at that time people seemed to have enough sencen not to build on low lying land.then florida built islands, and folks built on them. When will the insurance companys start raising our rates to cover their losses on the coasts,But there is one undeniable fact, there are more people living in harms way now than ever before,and a lot of that is by choice. Why should I pay for someones choice?