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Weigh your pros and cons, please.
I'd say the risk of leaving near the watet body. Flood insurance, too.
Gabe has a good answer.
Flood insurance and risk tolerance.
That is something that I would refer to someone like you who understands all the issues with ocean front properties.
Roy nailed this one!
Dustin -- I don't have an answer for you except maybe concern about hurricanes. But I do know OC well--used to spend my summers there back in the 1960's and my brother still lives there.
Many retirees who are considering shore properties are concerned with the cost of flood insurance and the possible disruption of life by storms.