If you want to live on a New Jersey barrier island, don't expect

Cape May County - If you want to live on a New Jersey barrier island, don't expect a handout from the government when global warming catches up with you. Buy flood insurance. Far fewer Americans compared with five years ago are paying for flood insurance in coastal areas of the United States where hurricanes, storms, and tidal surges pose a serious threat, according to an analysis of government data. Without flood insurance, storm victims would have to draw on savings or go into debt, or perhaps be forced to sell.