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A man smokes a cigarette and video chats with a friend on his porch, the only dry spot on his street after a King Tide-related flood in Miami Beach, Fla., on Oct. 19, 2020. A new analysis by First Street Foundation, a nonprofit research group focused on climate impacts on property value, found that the majority of Floridians face a higher flood risk than their insurance costs would indicate. (Miami Herald via AP)

A man smokes a cigarette and video chats with a friend on his porch, the only dry spot on his street after a King Tide-related flood in Miami Beach, Fla., on Oct. 19, 2020. A new analysis by First Street Foundation, a nonprofit research group focused on climate impacts on property value, found that the majority of Floridians face a higher flood risk than their insurance costs would indicate. (Miami Herald via AP)

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