You do realize that it is primarily the former group that is poor, unless you believe that the poor own waterfront property?
There are plenty of dirt poor riverside towns and grim coastal villages, you stupid, sheltered, SoCal prick.
The latter are getting quite excessively rare in the United States outside the Northwest, actually. Though there's Oxnard.
Not that the poor live
far from the shoreline, of course. All those rich beachfronts have a poor hinterland, usually long before the hills.
But I actually thought you meant the OP... because both sides are on such territory in this thread. And yet not, for hurricanes - not in NY, actually, but further south - are indeed to be expected and thus not really a 'natural disaster' unless they turn as calamitous as Katrina. It does make sense to ask Florida coastal dwellers to pay through their nose on insurance.
