October 23, 2018 — For generations, families have come to Mexico Beach to soak up old-style Florida: the mom-and-pop seafood shacks, the dinky one-story motels and pastel bungalows, the retro ice cream parlor with claw machines and vintage arcade games.
But Hurricane Michael, which less than two weeks ago pummeled the tiny seaside town with 155-mph winds and demolished roughly three out of every four buildings, has left the community in an existential crisis. Nobody is sure what comes next.
Many residents and business owners, anticipating massive insurance shortfalls, have yet to decide whether to commit to the daunting challenge of rebuilding structures strong enough to withstand the next big storm.
About a third of the town’s 1,200 full-time residents are senior citizens. Many homes were not covered by flood insurance. A vast swath of older ranch-style homes and commercial structures sat at ground level and did not meet the state’s current elevation and windstorm requirements.
“They’re gonna make you build so heavy duty, you can’t afford to rebuild,” said Charles “Chuck” Smith, 56, owner of the Gulf View Motel, a modest 1940s-era building that his parents bought in the mid-1980s.