This past September, Hurricane Ian brought winds to Sanibel Island, Florida, that exceeded 150 miles per hour, destroying property and killing four people. With the climate changing, will the island ever be safe?
in a new relocation program that will assist Indigenous communities living in places threatened by climate change.
Federal law caps flood coverage at a quarter million dollars, but many homes sustained more than that.Insurance wasn’t likely to be of much help, Crater said, but he and his wife planned to rebuild. We tore down drywall together, then set out on a bicycle ride around the eastern half of the island. Everywhere we went, fire alarms pinged and chainsaws buzzed. And, around each bend, we found someone Crater knew.
“This is the future of Sanibel,” Crater said, stopping his bike a few minutes down the road and pointing to a house on our left. It was a medium-sized home with a metal roof, Hardie-plank siding, and hurricane-rated windows. It sat on ten-foot stilts. The area beneath the home had not been walled in. “This isn’t rocket science,” Crater went on. “It’s building to code, following it strictly. We can coexist with the ocean.
The insurance situation was going to make things harder, she said. Most of the damage done to homes was caused by flooding, and federal law caps flood coverage at a quarter million dollars. Many homes sustained more than that, and separate wind-insurance policies likely wouldn’t help. Meanwhile, insurance companies in Florida are fighting other battles.
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