From Reuters, yet another take on the costly and sometimes tragic outcomes from lack of regulation and the problems of the National Flood Ins. Program. See: Unfettered building, scant oversight add to cost of hurricanes in U.S.
In the wake of a ferocious storm season, Reuters finds that homes built in violation of flood-mitigation rules add to the billions of dollars in claims on the already-broke federal flood insurance program
Recovery Diva 
I wonder how many Federal mortgage entities, FHA, Fannie Mae, Freddie Mac, etc backed loans for this alleged non-compliant construction. Interesting that the regs were perceived as so arduous, even Democrat Sen Bill Nelson thought he needed to intervene . Most people that live in the Keys are tree-hugger types, yet they seem to have a natural navigation towards excercising their property rights.