I'd note that "under water" isn't the only issue at hand.

Florida's homeowners insurance industry has largely collapsed in recent years.

Rising sea levels can impact fresh water supplies (https://www.wusf.org/weather/2024-11-27/trillion-dollar-hidd...).

> Up to 70% of residents between North Carolina and Florida, and a trillion dollars in property, could be impacted by the end of the century with just over three feet of sea rise. South Florida represents the vast majority of that risk, with about 7.5 million people and $750 billion dollars in property expected to face increasing risks as groundwaters rise, the study found.

Power failures get scarier in high temp, high humidity scenarios, too. (https://en.wikipedia.org/wiki/Wet-bulb_temperature)