Do stay safe. I do think folks who build in places that are GOING to get hit and destroyed time and again should really rethink before buying. I have watched these "Island" life shows and some of the places were not lived on so many years back the reason being they are flat and unsafe for building/living on. Yes there are beautiful views and all but when I see them laying down hundreds of thousands of dollar (or millions) for a property that will be most likely destroyed in that owners lifetime I just do not get it. The real estate places doing that are con artist in my opinion, I am not speaking of places that get the very rare hundred years flood. Hell look at all the destruction on the Mississippi river. Building houses in a flood plain we have to be smarter than that