Found this interesting article on Yahoo today.
And yes, that picture showing Duval underwater was taken but 2 months ago. That is a very common scene when we have a lot of rain and high tides. The store fronts have to throw up sandbags to keep the water out and woe be to any idiot who tries to drive their vehicle down the street and throw up a wake. And yes, there are idiots that do that.
Flooding is a regular occurrence in the Keys. It’s as common as sunsets. Those who live here and understand that the islands will occasionally become the ocean bottom they once were, have learned to adapt. Buildings are put up on stilts or built on higher ground. Those who don’t are paying the penalty with heavy water damage and extremely high flood insurance rates, if you can find insurance. Recent changes to flood insurance rates increased the rate for a ground level home by 800%. So if you were paying around $1000 a year for flood insurance, you are now paying upwards of $12,000 a year. A lot of homeowners will be losing their little slice of paradise soon.
Developers who salivate at the prospect of building down here, but ain’t from here are in for some real surprises when they try to build. More and more, there are restrictions on what you can build and how it must be built. Developers who live here, including our favorite current marina owner, do understand what is going on and can work within the system.
For the rest of us, it simply pays to not own property down here. Costs and risks of losing it all are just too great. Being anchored to something permanent like a house or condo, means you have more to lose if a storm comes through. You will have to insure it, protect it, and deal with a high monetary loss should said storm take your place away. If you are renting, or living in something moveable like an rv or a boat, you can get out of harms way quick enough, and come back if there is anything to come back to, or move on to someplace else. In my case, the boat I have, or the boat I will be getting, don’t have a significant cost associated with them. If I had to abandon ship and head for the mainland, and the boat became a new artificial reef, the monetary loss would be minimal.
And as for the flooding, well, a rising tide raises all boats as they say. A longer anchor line, let out some more dock line, and we are still floating. It would appear that those of us who are hated as live aboards, may just be ahead of the curve when it comes to living in the Keys.