Charles G. Pattison is president of 1000 Friends of Florida, a statewide not-for-profit membership organization.

No one can deny the appeal of living beside or near Florida's fabulous beaches and coastal areas. The beauty and charm simply cannot be found anywhere else in the country.

Unfortunately, these also are the areas most likely to be hit hardest by storms, hurricanes, and now, rising sea levels. This raises a difficult dilemma for Floridians—should all taxpayers continue to be required to subsidize the flood, wind and disaster insurance for those who live in the most vulnerable areas of the state? And should new development be curtailed in these areas, given its significant economic impact on taxpayers and the greater risk of loss of human life?

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