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Great time to be a cash buyer of a waterfront home in rough shape. Fix it up and self insure. The flood insurance increases are going to really hurt people who live on or near the water but aren't wealthy. Either way, don't expect your taxes to go down. Those who have seen a rise will pay more because rates will rise and the higher home value. People who's houses depreciated will see their taxes go up because the rates going up. You didn't expect the city to cut its spending did you?