no offense ya'll, but when you build homes on the water, worth one and two million dollars, you can afford to insure it. Look at how much the houses that fell during the hurricanes cost ALL of us, because the city of Wrightsville Beach permitted people to build in high risk flood zones. Not to mention, the beach shacks are worth half a million and up now, and I dont hear anyone complaining about that. I am a Wilmington native, if you are going to soak up the luxuries of building on the beach, you should be the ones paying. I dont agree those of us living inland should all have to pay for the city built on top of our dunes, that is where I get upset. Just think about how much those insurance companies paid those who had to rebuild, I am sure the recipients were feeling rather grateful in those moments.