One of my relatives has a single level house directly on a coastal waterway in Florida. Never had any problems since it was built in the 60s, then in 2 of the last 8 years the inside has gotten inundated with storm surge from a major hurricane, requiring a complete interior gutting. Their neighbors houses both got destroyed and now one is on stilts and the other is on a six foot mound.

He keeps repairing because he is a general contractor and the house has history to him.