Comes with the territory. If you're going to build a house within 5 feet of high water line, your going to lose it on a direct hit. If you build it on stilts, you still lose it. Build it 5 miles back from the waters edge and 20 feet above mean tide and you'll probably be ok, unless a big live oak falls on it. There's a reason why larger vessels often prefer to take their chances offshore.
You're good if a tree falls on it. That's windstorm. You're f'cked if rising water gets you...that's flood. If you don't have insurance and live around Democrats, that's FEMA gold!
As far as ships are concerned...they just go somewhere else.
