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occurred near the coast from Winter Beach to Vero Beach and <br />Florida Ridge. Twenty seven manufactured homes and two <br />single family homes were damaged by water intrusion and 20 <br />roads were temporarily closed due to standing water during the <br />height of the flooding. <br />For many years, the risk of significant loss of life and property <br />due to hurricanes seemed small. Many, if not the majority of <br />existing homes and business along the U.S. Atlantic and Gulf <br />Coasts were located there during the 1970's and 1980's, a <br />period of relatively inactive hurricane formation. Most of the <br />people currently living and working in coastal areas have never <br />experienced the impact of a major hurricane. Hurricanes that <br />impacted Florida during the 1970's and 80's were infrequent <br />and of relatively low intensity. Homeowners, business interest, <br />and government officials grew to regard hurricane risk as <br />manageable by private insurance supplemented occasionally <br />by Federal disaster funding and subsidized flood insurance. <br />The hurricane risk did not seem sufficient to warrant increased <br />investment in mitigation. Two major hurricanes, Hugo in 1989 <br />and Andrew in 1992, forced a re-evaluation of this risk <br />assessment. While experts sometimes disagree on the annual <br />cost, all sources agree that Hurricane Andrew was the most <br />costly hurricane event ever to affect the U.S. Insured losses <br />from Hurricane Andrew topped $17 billion, and most sources <br />agree that the total cost of Hurricane Andrew exceeded $25 <br />billion. <br />Florida is the most vulnerable state in the nation to the impacts <br />of hurricanes and tropical storms. South Central Florida is <br />particularly exposed to the dangers presented by hurricanes <br />due to its topography. The region is largely a flat, low-lying <br />plain. The potential for property damage and human <br />casualties in Indian River County has been increased by the <br />rapid growth of the County over the last few decades, <br />particularly along the coastline. Population risk also has been <br />exacerbated by some complacency due to the recent period of <br />reduced hurricane frequency. <br />Florida not only has the most people at risk from hurricanes, <br />but it also has the most coastal property exposed to these <br />storms. Over the 30 -year period from 1980-2010, Florida's <br />population increased by 93%. At the end of 2008, there were <br />6.389 million residential risks, including 4.5 million of those <br />Indian River County Comprehensive Emergency Management Plan Basic Page 23 <br />