Well like everyone does, the people that live down south have a choice of where they live. People tell us we are crazy for living up in the north east because of the terrible ice and snow storms, etc... but the southern states have big risks of major storms that can wipe out their life savings (or their lives), so they have to weigh the risks vs. reward to live close to the ocean and beaches. It's very unfortunate and I hate to see it, but it is their choice.