Drive up and down Wrightsville/Carolina Beach/Topsail and add up the dollar for dollar value of what you see. Are these beach front property homes more expensive then the average home in Maple Hill/Burgaw? I would say so. Those beach type replenishment's hurt the insurance companies nest egg more so then a $150,000 home in the inland areas. Those high dollar value homes are a hell of a lot more expensive to replace then others inland. Just remember...they are foreseeing the BIG ONE to hit...and if it does...the storm surge won't take out Maple Hill. So the insurance companies realized their miscalculations from over the years 10 years later...now let's gouge the people all at once. You are OK with that I take it? 70% + increase is fine by you? Then vote YES with your new monthly/yearly payment with checkbook in hand. I have had minimal to no damage for the past 10 years or so, but my wind/hail insurance rate says the opposite...and as the crow flies I am no more then 12 miles from the water and I am not in a flood zone. Let *your auto insurance rate* go up 70% due to the bad drivers...you'll agree with that too I suppose?