The Bible talks about the foolish man who builds on the sand. That's basically the entire coast of Florida with the exception of a few parks.
I stood on a pier in Naples Florida that replaced a pier hurricane Donna destroyed.
Looking at the structure of the pier and even with the logic of a youth looking for how a hydraulic handhold could tear a pier out I determined to not live on a coast or in a flood zone.
So far so good.
If a structure isn't on wheels and is parked on a coast line or in a flood zone , I'm not going to insure it.
And a flood zone doesn't mean recent history.
Persons dependent upon seasonal snow melt for water?
Try not to act surprised if seasonal snowfall varies as well as dependency increasing with withdrawals from reserves!







