Building close to the coast has always been questionable.  The dangers inherent in constructing anything within so close a proximity to water and at such low terrain elevations should not require the genius of Newton to be obvious.  The Texas coast has an average rise of 1 ft per mile, so theoretically,  any storm surge the likes of the 1906 Galveston hurricane could reach almost 1/4 the distance to San Antonio, given the many low shallow bays and the subsidence that has been occuring for the last 40 years.  The insurance companies have been betting against the KNOWN odds for many years.  Its time at least somebody wised up.  As ususal the average punter continues in oblivion until it hits him in the pocket book.  Well, if they have to move to tornado alley, I hope they'll at least invest in a good storm cellar.