@glynmoody Could this trend in California and Florida possibly benefit low-income people? Rich people tend to need financing to support the expensive buildings that banks require when financing construction on desirable lots.
If insurance isn't practical, financing won't be practical, lowering demand for expensive buildings, and then maybe it will be possible for middle-income people to use cash to build cheap but safe housing on desirable lots?

@edtyping but won't the rich just take all the high ground, leaving the uninsurable low ground for the rest? rich houses will be insurable, poor ones won't....

@glynmoody Yes. Maybe the biggest flaw in my attempt at optimism is that the coasts will be more and more dangerous as a place to live, and even if low-income people found housing there, and even if there was publicly funded fast evacuation, the disruption to the coastal families would be significant from disasters.