Max, Noreasters do a hell of alot more damage than a hurricane. Ocean City hasnt taken the brunt of a Hurricane, they are too protected from the Carolinas..For as much as they talk about Hurricane Gloria, she was 100 miles off the coast!!.You are safe there.. Now you want to be a gambler? I see a beautiful, ocean front individual home, 6 bedroom, 3 bath, roof top deck, built in pool ,330,000 Hes your kicker, Insurance Co's wont insure Ocean Front properties in Fl..