It's hard to move when you've been somewhere a long time or have family a certain place. On the other hand, people who actually move there, like to retire in The Villages or whatever, may regret the choice. I'd think insurance will be a financial obstacle or people will need to self insure, if it's not already that way. I have friends who moved there for retirement a couple of years ago and I tried subtly to express some worries to them. I think there are still some people who are still stuck in "there is a no climate change" mentality.
News was saying that less than 10% of the population in Ashville have flood insurance and FEMA only pays a mere pittance of what would be needed to fully recover.