Occasionally, I meet someone who can’t understand how anyone could live on the island year round. Â “Isn’t is desolate?” (Yes, at times). Â “And how about the wind?” Â (Our house does rattle a bit in the winter) Â “Is anything open?” (We always have Wawa!).
However...
I see a different view each and every day as I walk over the beach path.
I have shared my beach walks with seals, snowy owls, and even a bald eagle.
I have walked along a snow and ice covered beach.
I feel the warmth of a rising sun reflecting off the ocean.
I find beautiful sea glass at the water’s edge.
I have quietly squealed when surrounded by dolphins while ocean kayaking.
I have ducked from a great blue heron taking flight while kayaking in the bay.
I am able to breathe in fresh salt air year round.
I witness the seasonal change of colors of the marsh and dune grass.
I watch the full moon rise gracefully over the horizon.
I watch the colors of a setting sun fill the western sky.
Yes, I’m grateful to live here 🙂
Flood Insurance
AÂ common question from prospective buyers: Â “What is the cost for flood insurance?”
An elevation certificate is required for an insurance agent to quote a new policy. Â The certificate (prepared by a surveyor) will state the elevation at the curb and the lowest floor of the structure, as well as details regarding vents.
Homes built prior to 1974 were not subject to the elevation requirements of FEMA, and may sit lower than required by the current code. This translates to a higher rate for flood insurance.
Newer homes and those elevated (see recent blog post) benefit from a more favorable rate.