[DelaneyM]

Depends on the island!

As I said in a different response though, when you have a hardened home you fear storm surges, and we do. Our house would probably be obliterated by a 12’ storm surge at high tide.

We’re built on a 3’ high cement slab foundation though, so if we had only 1’ of water around the house we’d be fine. (This is a building code here, it’s nearly impossible to build a basement and your house must be floored 18” above your prevailing level.)

For a variety of meteorological reasons that’s exceptionally unlikely for my specific location, but it’s something we’re acutely aware of and plan ahead for.