Comment by jdmichal

I live in Tampa Bay, so I'm quite familiar. It's pretty rare to have a V rating, precisely for many of the reasons you mentioned. But, at the same time, handwaving it away as unimportant is also silly. It's an immensely more dangerous situation to be in flooding with moving water, as opposed to just rising water conditions. If nothing else, it's important to know for evacuation purposes. I would never willingly stay in a V-rated zone if there was a chance of storm surge. Then again, I didn't buy the V-rated house I wanted and instead found a house 40 feet above sea level, so maybe that's just my risk profile.

And I didn't disagree with you regarding building. You were wrong about storm surge always being static -- it mostly is, but importantly sometimes isn't. But you weren't wrong that there's not a lot to do about it. This is one of those situations where nature will win if it wants to. Best thing you can do is just not be there when it does.