Why so many people have moved to Florida – and into harm’s way
Robin Faith Bachin, Professor of History, University of Miami
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Hurricane Ian barreled ashore with winds of up to 150 mph (240 kph) on Florida’s southwest coast on Sept. 28, 2022.
The storm’s powerful winds and torrential rains reduced entire communities to rubble, killing more than 120 people, including many who drowned in floodwaters resulting from the nearly 18-foot (5.5-meter) storm surge. Bridges connecting Sanibel, Captiva and other barrier islands with the mainland flooded and crumbled, isolating those areas.
And based on how Florida has responded to similar devastation in the past, I highly doubt that Ian will do much to slow the pace of the state’s rapid population growth in the near future.
But many Florida residents spend only the winter months there, returning when the climate warms up back home. In the weeks that followed the storm, analysts were predicting that most of these annual short-term residents – called snowbirds – will not forgo their annual voyage. Instead, many say they’ll simply shift their migratory course and land somewhere else in Florida.
South Florida real estate agents are bracing for stronger-than-usual demand for seasonal rentals in Dade and Broward counties on Florida’s southeast coast, which escaped Ian’s wrath. The extra interest is leading to further spikes in the already overheated real estate markets in places like Miami and Fort Lauderdale.
Today’s new and part-time Floridians are drawn by the same factors that have lured settlers and snowbirds for a century: warm weather and waterfront views, along with lower taxesand fewer regulations than in other parts of the country.
Draining the swampland
Early developers didn’t let inhospitable environments deter them. In the decades after the Civil War, they transformed the peninsular state’s mosquito-ridden, alligator-occupied swampland into hotels, homesteads and farmland.
Florida promoters lured tourists and settlers alike with promises of wealth, land and leisure, whether their sales pitches had to do with citrus and sugar, or sun and sand. Engineers used modern technology to accomplish the large-scale transformation and make way for unprecedented land speculation and development.
Everglades drainage began in earnest in the 1880s when a wealthy Philadelphian named Hamilton Disston created the Okeechobee Land Co. to develop a system of canals that would facilitate “land reclamation.”
Disston purchased over 4 million acres the state had designated as uninhabitable swampland in exchange for US$1 million and his promise to transform it. In 1881, The New York Times called this “the largest purchase of land ever made by a single person in the world.”
His gambit sparked Florida’s first real estate boom.
Disston sent brochures around the country, and to people as far away as Scotland, Denmark, Germany and Italy, that touted Florida’s “inexhaustibly rich lands” and an “equitable and lovely climate where merely to live is a pleasure, a luxury heretofore accessible only to millionaires,” according to Frank B. Sessa’s 1950 history of greater Miami.
The drainage made it possible for the railroad magnates Henry Flagler and Henry Plant to extend their railroads to southeast and southwest Florida, respectively. Train travel greatly expanded opportunities for tourists and new residents by the late 19th century.
This tiny thatched Florida house, photographed in the early 1900s, looks nothing like housing there today.Hulton Archive/Getty Images
Stormy weather from the start
Attempts to control water on the ground, however, couldn’t curtail weather-related hazards. In 1926, a hurricane slammed into Miami, leaving more than 390 people dead and causing property damage of more than $76 million.
A Western Union telegram from Jessie Wirth Munroe, a survivor, read like a text from someone who had endured Hurricane Ian: “We are safe. Water front completely destroyed.”
Subsequent storms wrought greater devastation.
A 1928 hurricane killed over 2,500 people just south of Lake Okeechobee, most of them Black farmworkers laboring in the new agricultural town of Belle Glade, which was washed away.
“Clinging to beds, using mattresses as overhead cover, the people of the Keys had watched large rocks roll about like pebbles, buildings crumble like houses of cards, water lift up houses and carry them off,” wrote Helen Muir, a journalist who moved to Miami in 1934 and chronicled the city’s growth. “The hurricane moved in like a giant mowing machine and leveled everything.”
Joe Raedle/Getty Images)
On the afternoon of Sept. 28, Hurricane Ian made landfall in Southwest Florida as a Category 4 storm. Winds reached 150mph, just a few miles shy of a Category 5 classification. Only four Category 5 hurricanes have ever hit the U.S., the most recent one being Hurricane Michael in 2018.
By the following morning, at least 2.5 million households in Florida had lost power. Storm surges caused life-threatening floods throughout West and Central Florida, the hurricane destroyed roads, bridges, and houses, and excessive rains caused inland rivers to break record flood levels. Ian continued to move up the Atlantic Coast before making landfall again, this time as a Category 1 storm, in South Carolina.
A single hurricane can cause billions of dollars in damage, not to mention the physical and emotional toll it takes on those in its path. Over the past five years, hurricanes Laura, Ida, Harvey, Irma, and Maria have caused extensive damage and death tolls. The full impact of Ian will come into sharper focus in the coming days and weeks.
Hurricane recovery plans include everything from the basic distribution of food and water supplies to rebuilding highways, energy grid improvements, and far-reaching infrastructure upgrades. Recovering after extensive hurricane damage can take years and can sometimes be sidetracked by additional storms.
2022's Atlantic hurricane season, which lasts roughly from June 1 to Nov. 30, has been quieter than meteorologists predicted. Before Ian, three other hurricanes formed, two of which dissolved before landfall. Hurricane Fiona, a storm that first made landfall in Puerto Rico on Sep. 18 as Category 1 and wrought damage across the Caribbean as it strengthened, was the season's first major hurricane. Still, the span between August and September represents just part of the peak range for Atlantic hurricanes, with October's forecast not yet clear.
Stacker took a look at NOAA data to extrapolate the costliest hurricanes of all time. In this gallery, you'll find the category of the storm, the year it occurred, and how much damage it caused. Tropical storms, defined as cyclones with winds less than 74 mph, are not included in the analysis. The data includes hurricanes that impacted Puerto Rico and the U.S. Virgin Islands, and the cost listed is in current U.S. dollars which have been adjusted for inflation. This data also addresses the cost of these hurricanes to the U.S. (and its territories), not to other countries or regions. More information on the methodology can be found at the National Hurricane Center.
Some of the most highly prized real estate in the U.S. exists in areas considered high risk for wildfires, flooding, or drought. Despite this present and growing danger, many Americans are still moving to climate-vulnerable regions.
This may be because some people are willing to take the risk if it means living in their dream home—an attempt to defy nature for one’s own hubris. To better educate prospective homebuyers, real estate brokerage site Redfin now provides a climate risk assessment for every property which includes flood, drought, heat, storm, and fire risk data at a glance. Even with the power of this information, homes with high fire risk are selling for $120,000 more than low-risk properties, per Refin’s June 2022 report.
As housing demand increases, so, too, do the impacts of climate change. Homebuilders and homebuyers are expanding into vulnerable regions called the wildland urban interface—the area where real estate abuts or intermixes with natural land like forests or grassland. A forest without homes in or along the edge is just a forest. But when developers introduce commercial or residential properties, it becomes a wildland-urban interface, or WUI. The U.S.’s WUI, in terms of acreage, grew by 33% over 20 years. Nearly all of that growth resulted from new housing—roughly 14 million homes—being built in or along natural land.
Housing along the U.S. coastline, especially the East Coast, is also at risk. Within the next 30 years, sea levels are projected to rise by up to a foot; within 80 years, up to 2 feet. A matter of inches within the scope of an entire coastline seems unsubstantial, but this increase will bring more intense flooding and storm surges. According to the National Oceanic and Atmospheric Administration, moderate flooding could happen 10 times as often in 2050 as it does today.
Mitigation efforts like governmental buyouts of homes in flood-prone regions can be one solution to this problem. It would cost the government $180 billion to purchase 1 million flood-prone homes across the country, according to a 2019 National Institute of Building Sciences report. Over 100 years, that would lead to a cost savings of more than $1 trillion that would have been paid out in flood insurance and disaster programs, which are federally subsidized.
Moving, either to a climate-vulnerable location despite the risks, or away from it for safety, is a form of privilege. A 2021 study published by the Environmental Protection Agency found coastal flooding, extreme temperatures, and poor air quality disproportionately affect minority and low income populations. And for populations already living in safe regions, climate gentrification—when affluent homebuyers move from climate vulnerable areas into new places, driving up home prices and changing the culture—is an indirect threat to their stability.
Experts predict that for much of the southern and southwestern U.S., a push north to more temperate climates is an eventual certainty for those with the necessary means, as climate change makes swaths of the country inhospitable and drives severe economic losses.
To better understand the climate-related threats Americans face, Stacker looked at population change due to migration in counties with the greatest and lowest climate risk between 2015-2019, citing Federal Emergency Management Agency’s National Risk Index data and U.S. Census Bureau net migration data. We focused on 2015-2019 because the impacts of the pandemic meant abnormal net migration rates across much of the country.
Future flood risks to coastal regions under warming climate conditions have been well documented. And still, much of the East Coast has developed new housing in high-risk flood regions faster than in safer areas. In New Jersey, the worst offender of this trend, new housing development in coastal areas was three times higher than construction in inland regions.
In 2021, the Natural Resources Defense Council and the Association of State Floodplain Managers petitioned FEMA to update its rules for building in floodplains—which have not been updated in more than four decades—to avoid devastating losses for future homeowners. The petition recommended mandating that all new construction happen beyond the 100-year flood zone, updating developers’ maps to show how the floodplain will change over time, and helping current owners retrofit their homes through flexible National Flood Insurance Program funding.
Emma Rubin // Stacker
In many parts of the country, rivers are drying up due to climate-related precipitation changes and increased temperatures. Models predict that the Colorado River Basin—which extends from the Gulf of California to the Rocky Mountains and diverts water to major cities along the way—will see significant, and in some areas total, loss of critical snowpack and snowmelt runoff. In the Northeast and Midwest, heavier precipitation can lead to higher river volume and more frequent flooding.
Emma Rubin // Stacker
Between June 1 and November 30, the Gulf Coast states brace for the potential impacts of hurricane season. Like other climate-driven extreme weather events, hurricanes are becoming more frequent and intense. Historically, Florida has been more severely affected by hurricanes than any other state in terms of total monetary damage and emergency declarations. Between 2010 and 2019, the economic damage in Florida was more than $500 million per hurricane, totaling roughly $3.5 billion over the decade. In this same period, Florida made 14 hurricane-related disaster declarations.
Heat waves in the U.S. are getting longer, hotter, and more frequent. Roughly 60 years ago, cities across the country averaged two heat waves per year. Today, the country averages more than six per year, and the heat wave season has extended by more than a month. Many of the regions at high risk for heat waves that saw a population decrease, as highlighted in the graphic above, were urban areas. It is difficult to isolate to what extent weather played a role in this exodus. However, scientists warn that the urban heat island effect, in which the release of heat from buildings and vehicles trapped by concrete and greenhouse gasses creates higher surface air temperatures in urban areas, will become more severe, making urban areas undesirable.
Emma Rubin // Stacker
The U.S. is the driest it’s been in more than 1,500 years. The Southwest has been in the throes of a megadrought for 22 years, exacerbated by less frequent rainfall, lower soil moisture, and rising temperatures. Water stress creates ecological changes that can increase the risk for other extreme weather events like wildfires. The volume of drought-sensitive vegetation in a region, for example, can significantly affect the severity of a wildfire. In the path of a blaze, plants that are quick to dry out in the absence of moisture act like tinder.
According to a Fast Company study, places like the Sierra Nevada foothills, San Francisco Bay, San Diego, and San Antonio all have a high volume of drought-sensitive vegetation and have also seen a population increase in the WUI where that vegetation is most prevalent.
Emma Rubin // Stacker
Wildfires in the U.S. have become more severe and more frequent due to climate change. Wildfires are four times larger and occur three times more often in the past two decades compared to the previous 20 years, according to a University of Colorado Boulder study. In addition to the problem of human ignition in the WUI, increased drought means wildfires are spreading faster and farther. Currently, 80 million properties across the country are at significant risk of fire exposure, and that number is growing. Over the next 30 years, nearly half of Americans will be living in fire-risk areas, particularly in the Mountain and West South Central regions.
Emma Rubin // Stacker
Heat waves in the U.S. are getting longer, hotter, and more frequent. Roughly 60 years ago, cities across the country averaged two heat waves per year. Today, the country averages more than six per year, and the heat wave season has extended by more than a month. Many of the regions at high risk for heat waves that saw a population decrease, as highlighted in the graphic above, were urban areas. It is difficult to isolate to what extent weather played a role in this exodus. However, scientists warn that the urban heat island effect, in which the release of heat from buildings and vehicles trapped by concrete and greenhouse gasses creates higher surface air temperatures in urban areas, will become more severe, making urban areas undesirable.
Housing construction was booming in Miami in 2002, a few years after Andrew destroyed many homes.Joe Raedle/Getty Images
Rebuilding and rebuilding
Though each storm seemed to threaten the population boom, the new arrivals tended to stick around. Civic boosters, business leaders and policymakers have invariably promised to rebuild.
Windstorm insurance premiums were climbing beyond the reach of many homeowners before it hit. Analysts predict that premiums will continue to rise, making it harder for residents to afford to remain in Florida and even more challenging for new homebuyers to secure policies.
It remains to be seen if the pro-growth mentality and belief in technological innovation that have shaped Florida’s history can forestall the challenges of climate change and the increasingly severe storms it brings about in the decades ahead.
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Robin Faith Bachin receives funding from JPMorgan Chase and Co., Miami-Dade County Department of Public Housing and Community Development.