Jul 022013

Found this interesting article on Yahoo today.

Florida Keys Prepare For Sea Rise

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.

Capt. Fritter

  4 Responses to “We May Well All Be Live Aboards Down Here Soon…”

  1. interesting article.
    might be a ripe time to bring up the no car thing again. i mean if they’re prone to finally thinking “green” for the keys. at least they might be a little more receptive. you’d be a good one to write an article touting it for the paper. who knows? WOW! you might make a difference.
    maybe all the store owners that get slammed by the wake making idiots might vote for it or at least get to talking about it . . . you just never know! it might finally take.
    and no.
    don’t send me back a pirate downer. you have talent in persuading people. i know you do.
    just look at your minimalist posts. they are small masterpieces for the word.
    but yes. I also know you have more better things on your mind just now… like finding a place to live!
    so. I take it all back captain hook. you’re … ahem… off the hook.

    • The only real talent I have is in the art of slinging bovine fecal matter.
      But I am good at it.
      C. F.

  2. WOW. I heard the rates were being modified, and I’ve seen some articles in passing about fights with the main carrier (Citizens?), but that kind of increase is crazy. Maybe that cash trailer on a rented lot isn’t looking so bad after all. You aren’t the only one doing the slinging down there.

    • It’s bad from what I hear. Those who own ground level homes are being forced to buy flood insurance. And when they can’t afford it, the bank will take the property. It also makes it near impossible to sell a place as the next owner will also have to pay the insurance.
      C. F.