There is also an issue that alot of people don't know about, or really ever understood (which I agree is their fault to begin with), is Flood Insurance.
But the one thing that we have really been hearing a lot of is the fact that a whole lot of people south of HWY 90, actually south of the "railroad tracks" where not even required to carry Flood Insurence because their homes were not declared in flood zone.
Remember, the definition of a flood did not include the term "wind driven water", aka storm surge. One local leader is action for the two terms to be used together.