coastal city residents Terry and Sharon Baron stand in front of their mobile home damaged from Hurricane Irma . (Photo: Alicia Vera/Bloomberg)

(Bloomberg) – When Hurricane Irma reached Florida's Big Pine Key in September, it caused the floor of Terry and Sharon Baron's cream-colored mobile home to collapse. On Marathon Key, twenty miles north, the winds lifted Diane Gaffield's mobile home off its concrete pad and smashed it against her neighbor's house.

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