Hi,
The pic I posted is probably a bit deceiving, makes it look like a much closer call than it has been historically...
The house pictured across my lagoon had it's original foundation laid in 1949.. To the best of my knowledge, seawater has never touched the foundation...
My house was built in 1954, same deal - the bay water has never come close to the foundation, much less attaining a height whereupon it might reach the ground floor... I've lived here most of my life, and the water level has only over-topped my bulkhead and come into the yard maybe 5 times...
The most devastating storm ever to hit the Jersey Shore in recorded history is generally conceded to have been the great Northeaster of April 1962, which battered the coast for several days, and through numerous high tides... Again, never came close to threatening my house, to the best of my knowledge... At this point, the only storm I can imagine that could create a surge sufficient to put my house underwater, would likely have blown the freakin' thing away long before my carpet got wet...
Agreed, however, on places like the Outer Banks - I cannot believe where or the manner in which they allow people to build in some of those places...
best regards,
Jon