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Actually Long Island property insurance rates have gone through the roof.
It is not an "if" but really a "when"?
A CAT 3 hitting NYC on a rising tide would do a lot of damage, including flooded basements and subways. Most of downtown and the few blocks near the rivers is in a flood zone as well for the rest of the island + Brooklyn and Queens. Wind wise, I think the big buildings would be o.k.
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