@petergleick yup. I have been trying to convince my local municipal government of this for years. “You really want to redevelop that waterfront, zero elevation property built over a filled in estuary? With climate change, sea level rise, extreme rainfall events (and a Tsunami zone)…. How sure are you the developer is going to be able to get insurance? Who will be left holding the bag after the first disaster, the second, the third in a span of 20 years?