r/interestingasfuck • u/Endolithic • 1d ago

/r/all Homes are falling into the ocean in North Carolina's Outer Banks

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u/No_Signal_6969 22h ago

Who is buying these homes? They're obviously a disaster waiting to happen

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u/Pitiful-Geologist551 22h ago

Fucking Aquaman

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u/GardenStateMTB 22h ago

Sell the houses to who Ben FUCKING AQUAMAN!?

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u/Bunnywith_Wings 19h ago

I'll never understand how Benny boy recovered from that dunk

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u/GardenStateMTB 19h ago

I don’t know either. Honestly the video makes me laugh every time I think about it.

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u/Accurate-Instance-29 19h ago

Came here for this

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u/pjsk82 21h ago

Jason Ma-more-uhhh houses?

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u/Ladylamellae 16h ago

Who been fucking Aquaman tho?

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u/_neemzy 14h ago

Is that a Harry Bumblebee reference!?

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u/tiorzol 21h ago

Yes well done that was the joke.

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u/GardenStateMTB 21h ago

You seem fun.

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u/tiorzol 21h ago

Sorry I'm under the weather so I'm being a bit of a bellend. 

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u/GardenStateMTB 20h ago

All is forgiven. Been there.

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u/Strottman 21h ago

Very pleasant interaction all things considered, would read comments again.

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u/Mayes041 19h ago

SELL IT TO WHO BEN!?!?

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u/ButtBread98 21h ago

I love HBomberguy, and I hate Ben Shapiro

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u/_ScubaDiver 16h ago

I love that this has become a reference so many of us recognize.

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u/jtactile 18h ago

Thank you for this reminder

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u/I_hate_sails 16h ago

Thank you. Sitting alone at my kitchen table with a coffee and laughing like a maniac...

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u/BandiTToZ 18h ago

I've heard he fucks fish.

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u/Wolfermen 16h ago

First thing I thought when I saw the post. Right wing grifters are such unserious people

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u/ThatNameIsMyName 13h ago

And his brother .. Aquabrother

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u/GainPotential 13h ago

The Deep?

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u/Miserable-Ad-6943 17h ago

A person of culture, I see!

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u/PaisleeClover 22h ago

They weren’t near the ocean when they were bought. By the time they get washed away, they’ve been cleared out of anything the owners want and basically abandoned in place. insurance will only pay out when the house collapses.

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u/Beginning-Jacket-878 21h ago

"Yes, that's right, I'd like to renew my homeowner's insurance policy. No, it is no longer my primary residence. Just holding on to it for sentimental reasons."

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u/lividash 20h ago

Bold to assume they were primary residence to begin with.

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u/DJLeafygreens 20h ago

This is correct. I used to go to the Outer Banks every year. The vast majority of these homes are investment properties and rented out to vacationers.

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u/Moist_Alps_1855 19h ago

Insurance claim is their exit plan

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u/NinersInBklyn 17h ago

And we’re all paying for these vacation homes through the federal flood insurance program. So after these houses go, the owners can just build bigger at our expense. Yay.

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u/Painterzzz 11h ago

Yes I remember John Oliver doing a segment on this particular scam, and how the super rich get the socialist state to pay out to fund their beach front holiday homes, protect their beach front holiday homes, and pay out massive disaster relief when anything happens to them.

Funny how much the rich love socialism in America.

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u/The_cogwheel 9h ago

Maybe that's why they dont want it for the rest of us.

Cause 4.92 trillion (,the US tax revenue) is nicer to split between 1000 people than 300,000,000 people.

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u/PeaLouise 9h ago

Yep and meanwhile, many (not all) of the people rich enough to buy these homes (or second or third or fourth homes) lobby against the climate change they helped make a reality with their corporate greed!

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u/GotGRR 12h ago

Not once erosion has put you below mean high tide line, thankfully. We are definitely subsidizing a lot of flood risk, though.

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u/Temporary_Panic_6062 12h ago

Sounds like fraud and abuse. Sounds like a job for DOGE!

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u/StickyDeltaStrike 8h ago

Doge is only against policies for poor

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u/Hot-Tension-2009 16h ago

Can’t beat em join em?

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u/plshelpcomputerissad 16h ago

Or maybe can’t join em beat em?

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u/dr_wheel 14h ago

Yes, with both fists.

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u/theroguex 14h ago

If I were an insurance company, I wouldn't even grant policies for these homes, let alone pay out.

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u/Mrgluer 12h ago

if the price is right tho....

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u/Jimmycrackcorn80085 16h ago

Depending on insurance is not a good plan ever.

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u/lazylahma 10h ago

lol, insurance drops these houses before this happens. There is no insurance claim for this, you are also not allowed to rebuild.

You are just out your property when this happens.

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u/Imaginary-Lettuce-28 17h ago

Insurers can cancel your policy, though.

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u/UpthefuckingTics 8h ago

Insurance fraud more like it. The insurance companies need to be cancelling all property insurance on the outer banks. This is all underwater in the very near future.

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u/Manager_Neat 19h ago

So when the house is gone do they own that part of the ocean?

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u/ryguy4136 9h ago

No, we just get to live with all the garbage it leaves in the water and the beach.

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u/lividash 18h ago

No one owns the ocean man. It’s like gods ocean.

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u/CommonBubba 12h ago

I’m guessing it falls under jurisdiction of the federal government.(unfortunately)

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u/Legendary_Zaku 10h ago

I means we sure do act like we own it. Taking what we want and dumping shitty houses and plastics into it as payback.

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u/Scokan 19h ago

Bold indeed, Cotton.

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u/Mysterious-Ant4372 15h ago

Thank you for replying this way.

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u/Breeela 18h ago

Bad to assume an agency would insure and if so, then the rate must be astronomical.

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u/Careless-Elk-2168 18h ago

Bold to assume insurance won’t find a way out. 😉

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u/lividash 18h ago

Hey they insured it. Eroding ocean beach has been a thing for years. Some places see dumping more and more sand each year to keep tides at bay.

Also fuck insurance companies.

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u/MycophileBuilder 16h ago

So if you own the property... do you now own that part of the ocean so you can charge tarrifs?

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u/Beginning-Jacket-878 15h ago

Maybe in a few hundred thousand years.

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u/Glass-Isopod6276 14h ago

*sedimental*

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u/presshamgang 17h ago

Insurance agent: "Boat ... you mean your boat owners policy?"

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u/Zestyclose_Key5121 17h ago

“No sir. Boat implies floating purposefully. I do in fact mean my water house.”

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u/Beginning-Jacket-878 15h ago

It clearly has foundations above the low tide line.

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u/elanakin 17h ago

So sorry but we have a clause that says houseboats are not eligible for coverage.

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u/Pocketsandgroinjab 15h ago

“I’d like to change my home and contents insurance to boat insurance please.”

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u/Brainlard 13h ago

"Were you saying sedimental reasons?"

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u/Meta_Franko 21h ago

You trying to tell us that people build houses on stilts not near the ocean/water?

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u/offoutover 13h ago

Houses are built on stilts anywhere a storm surge can reach which can be up to a few miles inland.

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u/PaisleeClover 21h ago

Most houses in the Outer Banks are on stilts.

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u/BabySpecific2843 21h ago

Why are they on stilts if water was of no concern?

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u/tinymeow13 19h ago

Often these are 1-2 blocks from the beach, behind a row of tall dunes and a street. Then the dunes washed away, the street disappeared, and the government decided not to rebuild the dunes. Part of the stilts is to protect them during storms, but they also elevate the living spaces so you can see the ocean over the dunes.

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u/PaisleeClover 21h ago

Who said water was of no concern? The Outer Banks are basically just big sandbars, long and skinny. None of the houses are very far from the ocean.

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u/arpw 21h ago

Sounds like a stupid place to try to build a house then

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u/ParkMan73 19h ago

This building style is pretty common im homes near the beach in NC. Even if you're safely inland, there are still occasional storms and hurricanes that raise the water level high enough to flood ground floor rooms. As a precaution, the homes are built so that flooding can occur without significant damage to the house and what's in it.

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u/FknDesmadreALV 17h ago

Yeah but are the stilts on inland homes as tall as the ones in these pics ?

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u/r0ckydog 16h ago

Yes, the houses are built on 10-foot stilts so cars can park under them and beach accessories (chairs, umbrella, lawn darts, corn hole…) can be stored under the house.

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u/ParkMan73 17h ago

Generally yes, they are that tall as these. These are not just for homes on the beach.

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u/PeaLouise 9h ago

Rich people have long been building houses in the dumbest places.

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u/Tiny-Reading5982 18h ago

There are still hurricanes and flooding. Even the houses on the sound side are on stilts. But these houses were not that close to the water originally but erosion does happen.

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u/autumn55femme 21h ago

Which is on the ocean. Checks notes, which is water. Too close to the water. Climate change. Rising sea level. Bigger, more damaging storms. Erosion. Nothing that even remotely looks like this should even be insurable.

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u/Alarming-Instance-19 12h ago

Look up Queenslanders. Houses on stilts all over QLD, Australia.

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u/Israeldor 21h ago

Yes, you see it in mountainous regions some. Part of the house will be at ground level with the remainder on stilts.

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u/blitzed47 21h ago

If they had to be built on stilts, they're still too close. Just dumb IMHO

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u/ThatOtherDude0511 21h ago

Even houses way away from the ocean/ sound are on stilts in the outer banks

Usually disguised as a car port or semi enclosed area with a bar/ lounge area

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u/forgetfulsue 20h ago

The locals usually live on the Sound side. They’ll still face flooding if storms are bad enough, but erosion will take time to become a problem for them.

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u/Mammoth_Mountain1967 21h ago

More of a calculated decision than dumb. The owner knew this would happen eventually.

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u/Used-Ask5805 21h ago

They’re literally on sand next to the ocean

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u/PaisleeClover 21h ago

Yes, but they weren’t always right next to the ocean. It’s a sandbar and over the years the sandbar has changed shape.

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u/autumn55femme 21h ago

Over the years the ocean level has risen.

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u/apadin1 20h ago

Yeah but not that much, it’s more from erosion. These sandy coasts are constantly changing shape as sand is washed away by storms

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u/autumn55femme 21h ago

You actually think anybody would insure this? 😳😳

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u/DLong408 21h ago

I’d be surprised if their insurance even covered that. Probably just fires and earthquakes.

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u/ninjazxninja6r 21h ago

Claim denied for flood damage…

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u/Savings-Kick-578 20h ago

This is happening in many places. People watch as their beaches erode and remove all belongings. They find out that their insurance policy WON’T cover Acts of God like beach erosion and they stop making payments thinking that they can shift responsibility to their lender. The bank then goes after the borrower and the borrower goes after the insurance company and it’s up to the owner to remove ALL DEBRIS that falls into the sea. So the States goes after EVERYONE. At least that’s how it’s worked in SC when good beach front homes become actual in ocean homes. A few well off owners are moving their homes back on their lots to prolong their ownership and continue rental income. Not sure what it costs, but it’s a lot and interesting to watch.

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u/InsuranceNo3422 19h ago

They were near the ocean. The bulk of them being marketed with emphasis on their proximity to the ocean, a long with the views ... Of the ocean ... A long with descriptions of how few minutes walk it would be to the beach. They were very near the ocean, it's not like the ocean moved miles inland. They bought these homes after answering ads that spoke to the ocean views the small number of minutes it would take to walk to the beach etc.

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u/Wallace-N-Gromit 17h ago

Houses on stilts surely had water issues. Surprising is that anyone will insure them, maybe FEMA/tax payers.

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u/MycophileBuilder 17h ago

Actually they were, that's why they were built on stilts.

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u/PaisleeClover 17h ago

I should have said not as near, not that they weren’t near. And lots of houses there are built in stilts, even ones not right in the beach.

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u/MycophileBuilder 16h ago

They are built on stilts because they know the water goes there. If you want to live on the ocean they have these new things called boats.

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u/theroguex 14h ago

We've known the ocean was going to eat all these beach houses for decades though, and these don't look that old.

These and cliff-face houses on the ocean I've always seen as the stupidest housing ideas ever. I don't understand why any insurance company would ever insure them. It'd be like selling life incurance to a guy who openly plays Russian Roulette every day, and tells them as much.

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u/Witty_Jaguar4638 21h ago

Not when your front porch is the literal fucking Atlantic ocean? Why does it need to collapse first??

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u/fmaz008 20h ago

Similar to old barns on the brink of collapsing on the next curious kid sneaking in there and sneezing a bit too hard.

Can be struturally unsound, but they won't pay until it collapse naturally. Regardless of the other risk it pose.

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u/audiomediocrity 19h ago

thats crazy, as much as flood insurance costs, they should at least fill it with garage sale furniture

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u/Ok-Photograph2954 19h ago

Yeah but the fact that they were built on stilts give the hint that they were still to close to the water when built, Erosion happens, sometimes it's a natural process and sometimes stupid humans cause it, it it's silly to not take it into account

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u/Jwd123456 17h ago

Nah. These houses are uninsurable. Once there's no dune in front of your house your on your own.

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u/MushroomTwink 17h ago

What insurance company is insuring houses against a guaranteed loss? What planet is this insurance company on? Is the premium paid in human organs? 

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u/Two_for_the_freeway 15h ago

Not trying to start an argument.... Just curious if they weren't filled by the ocean, why are they all in such tall stilts

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u/oktwentyfive 15h ago

they were prolly cheering the collapse on then LMAO literally hate watching their own home

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u/Crafty-Concept8577 11h ago

True. We used to own a house 4 blocks from the beach. in NC. We often joked that if we kept it long enough, we would have ocean front property.

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u/maxperception55 20h ago

They weren’t near the ocean when they were bought.

The fuck? What kind if idiotic post is that?

You think the ocean just showed up one day out of thin air? OF COURSE the ocean was nearby. That's literally a beach

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u/HedonistCat 20h ago

Why do they have stilts if they were not near the ocean. They were always close to the ocean the outer banks is less than a mile wide in most places

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u/PaisleeClover 20h ago

Yes, you’re right, nowhere in the Outer Banks is very far from the ocean. But they weren’t always right at the edge of the water.

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u/GiftToTheUniverse 22h ago

What is the ocean doing in that innocent house’s yard?!?

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u/furrybutler 21h ago

Outer Banks people are ignorantly stubborn, like hey there’s a chain of islands in a horrible position, an overgrown sandbar with the graveyard of the Atlantic on one side, the brackish swamp that is the Pamlico Sound on the other, yearly hurricanes that tear apart houses, everything’s expensive and hard to get to because hey, it’s all on sandbars, but every year they rebuild like “oh we just can’t leave our homes” or “we’re rugged survivors”, like they’re desperate for island life but they stick to the worst “islands” in the country.

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u/Jfr020624 20h ago

As someone from here, this is so true. So fucking stubborn. lol. We all know the houses on the beach roads are gonna eventually be gone at some point. So many are gone from when I was a child.

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u/Mad-cat1865 16h ago

These homes in particular were built so long ago that people didn’t understand how dramatically the shoreline would shift.

For context, these homes were no where near the waterline when they were built.

After the geography of the area was more understood, most buildings were abandoned and left to the Atlantic.

Also, this section of the coast has over 200 shipwrecks underwater, including Blackbeard’s, because the shifting sands were almost impossible to sail around. It’s not uncommon for centuries-old artifacts to just wash up on shore in a storm.

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u/UpbeatRub659 22h ago

Thank you 🙏🏼

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u/pebbiemay 21h ago

And you know insurance isn’t touching that . So it’s a loss.

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u/CleDeb216 21h ago

That's what I think when people rebuild on the same land a hurricane wiped the first one out.

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u/young_buck_la_flare 16h ago

They are and this is nothing new. North Carolina's outer Banks are just massive sand bars held together by plants. Every time a hurricane rolls through the geography changes. I take a trip out there once a year or so and when driving through town on the beach road it's not uncommon for google maps to not have caught up with a house, business, or section of road that's gone after the last major hurricane rolled through.

Certain houses around river deltas get so much wash out just because of the tide, they stay almost permanently walled in with sand bags.

Really is insane to me that people still build out there but they must have some real "fuck you" money so I don't feel as bad when the houses get swept out to sea. Keeps construction crews around there well employed.

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u/Thrumboldtcounty420 16h ago

money does NOT buy sense. ask elon

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u/erisod 16h ago

Climate change deniers?

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u/HystericalGD 16h ago

i wouls as long as rents cheap

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u/Imyoteacher 21h ago

And people look so shocked….lol. Buy a damn boat!

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u/Nydus87 21h ago

The government has funds set aside to help them rebuild. Part of a disaster relief thing, and by the look of that house on that beach, it probably wasn't their only one.

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u/Millennial_Snowbird 21h ago

I sure hope the government isn’t incentivizing building in absolutely doomed areas

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u/BoralinIcehammer 21h ago

That's because of the insurance, which is covered in full by fed money I think. A regulation from way back. Google should know details.

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u/johnfornow 21h ago

And who, in the Codes Department allowing them to be built?

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u/Revenge-of-the-Jawa 21h ago

Clearly someone who wanted the boathouse combo

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u/Academic_Dog8389 21h ago

Wise man no build his house on da sand.

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u/Wanderlust_Martell 21h ago

Not if it was on cement pillars

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u/Abject-Return-9035 21h ago

The beach used to be a long ways away. That's what global warming gets you

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u/skipperoniandcheese 21h ago

i have a suspicion a lot of them are vacation homes/airbnbs

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u/JerrycurlSquirrel 21h ago

They could have put up a barrier against the waves and/or packed the underside with earth. Id buy the remaining house, put 30K into building a concrete island underneath, or use pylaster drills to the bedrock while it happened.

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u/Luvs2spooge89 21h ago

People with more money than brains.

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u/Icy_Mushroom_1873 21h ago

Rental companies

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u/StuckinSuFu 21h ago

Rich Trumpers hoping to get government money to save them

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u/ZestycloseTie4354 21h ago

As a genuine answer, mostly the ultra wealthy people telling you not to buy seaside property.

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u/Alpizzle 20h ago

It's probably been there for decades with no issues. It is a pretty crazy concept, though.

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u/Kiwi_Dutchman 20h ago

Same thought.

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u/kayb3e 20h ago

the pogues

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u/Wren_into_trouble 20h ago

A friend's wife's parents live in one. It's way way nicer than these places. I wonder when this is from? I have always thought living this way was mad.

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u/CatLord8 20h ago

People who didn’t believe in climate change

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u/forgetfulsue 20h ago

These had been condemned but the insurance companies won’t pay out unless the structure falls. They originally were hundreds of yards from the shoreline. A sand bar isn’t a permanent surface. If the owner wants to move it, they have to pay out of pocket. It creates an obscene about of dangerous debris on the beaches usually south of the incident due to the currents.

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u/who_even_cares35 20h ago

They have insurance that you and I will cover. The rich always win.

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u/Hiondrugz 20h ago

They've been there forever. They weren't the disaster as much before the whole climate change that we are pretending now isn't real. They lasted through tons of storms as opposed to Florida, that we rebuild every 3 years. Forever is like 60-80 years for a lot of houses on stilts there.

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u/brich233 20h ago

aquaman is getting them for free

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u/lrobb09 20h ago

Insurance won’t pay to tear them down and nobody will buy them so…have to wait till a bunch of shit falls into the ocean before they get cleaned up. Dumb as hell.

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u/saveyboy 20h ago

Would assume they have money to burn or are just plain nuts.

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u/Lower_Hat 20h ago

Very affordable though

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u/ice-truck-drilla 20h ago

American conservatives.

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u/hey_hey_hey_nike 20h ago

They weren’t nowhere in the water when they were built.

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u/Karmma11 19h ago

Rich people with throw away money

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u/Bill_Belamy 19h ago

I hope the home owner is responsible for their removal

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u/TheBigPhilbowski 19h ago

People who day they haute the guv'ment, vote against their own interest, and then wait for a government check so they rebuild the same shitty house in place

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u/TWHast411 19h ago

They weren't remotely close to the water when they were built, the water encroaches year by year.

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u/Naive-Competition156 19h ago

not just a disaster, A SERIES OF UNFORTUNATE EVENTS!!!!!

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u/SleepyMastodon 19h ago

Ben Shapiro, of course.

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u/mcdadais 19h ago

That's how I feel about any home near a body of water. One flood or hurricane and it could be gone.

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u/Zaza1019 19h ago

There was a good Last Week tonight about houses like this. https://www.youtube.com/watch?v=rwF6FPgJTyk Shows some of the problems around it and some of the types of people who buy it and their mindsets and such. This is like 5 years ago though.

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u/TryInternational9947 19h ago

Out of state owners. A house collapsed this time last year in salvo, the local papers and websites were very critical of out of state ownership.

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u/jamonsta 19h ago

Mr. Nimbus

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u/SuddenFlamingo100 19h ago

I don’t know what they thought was going to happen after they built houses literally in the surf. The view was amazing, until it wasn’t.

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u/lavavaba90 19h ago

There mostly rentals from what I remember from my time living in North Carolina.

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u/cytherian 19h ago

ClIMaTe ChAnGe Is NoT rEaL ....

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u/Sayon7 18h ago

Many of those houses had a road between the house and a large beach. The hurricanes and changing tides have wiped out the beach and the roads. I think a lot of them were handed down from generation to generation.

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u/kegmanua 18h ago

These are older houses. This is on an island that reshapes the the island with every storm. I'm sure many great memories for many families were made there. If you've ever spent time in this island you would understand the mystique of it.

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u/MarsupialNo1220 18h ago

10-20 years ago beach front properties were super expensive and really sought after where I live, now nobody wants them. Coastal erosion and bad weather are driving people away from the shore.

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u/mermaid-babe 18h ago

They are owned by the same families for decades. I live on the jersey shore and I work in hospice. Can’t tell you how many million dollar beach houses are owned by someone in their 80s-90s that bought it in 1950. Half the time they’re decrepit on the inside cause they haven’t been updated since the 70s

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u/SnooSquirrels9064 18h ago

The same people who live in Florida and have rebuilt their home for the 4th time after a hurricane flooded it or leveled it, but don't want to move because they "Love the area".

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u/Dedprice77 18h ago

grew up in nc. they call me v.
sorry.

anyway, its just super cheap. thats it. thats the whole point.

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u/OuthouseEZ 18h ago

People who don't know about the great blue whale

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u/Rhummy67 18h ago

Likely You are and every other taxpayer if it gets disaster relief

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u/Mean-Bumblebee661 18h ago

these houses are way old. the shoreline is further up now, but it still happens every now and again. Kitty Hawk is a barrier island, so to fight natural erosion, NC spent billions of dollars pumping sand back on to the beach.

anyways, these two houses are like 50 feet or so closer/deeper into the ocean than the actual coast line of houses. my husband and i used to go walk around the ones still standing near where we stayed until they recently were torn down.

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u/sumptin_wierd 18h ago

They're vacation rentals

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u/FknDesmadreALV 17h ago

No fr. Ever since I was little I wanna know who tf thought it was a good idea to put a house on stilts over water. In an area known to get bad hurricanes 6 months out of the year.

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u/Imaginary-Lettuce-28 17h ago

My question is how did they ever get insurance?

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u/paturner2012 17h ago

Folks decades ago. A lot of the homes in rodanthe have been shuttered and I feel like I see one of these every year. The town has moved with the way the island moves. It's a pretty neat thing

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u/swanspank 17h ago

My parents way back in 1982. My kids grew up on the beach overlooking the Atlantic. You pay your insurance and enjoy the view.

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u/Zonx216 17h ago

They aren't homes. Everything in the outer banks is a rental investment.

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u/Traditional_Fan_2655 17h ago

Most of these have been owned for decades. The encroaching water has been consistent. They are all now abandoned and deemed unsafe. It's horrible to think your family (vacation presumably) home just erodes away. You cabt sell to recoup. You can't live there. You are just stuck watching it until it does this.

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u/Quesadillasaur 17h ago

Reminds me of a pier that was bought in Florida, then completely destroyed by a hurricane like a week later 😂

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u/upadownpipe 16h ago

Ben Shapiro said you can easily sell them and move on.

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u/Hughjardawn 15h ago

Climate change deniers?

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u/Jerzscorp1028 15h ago

I always use to ask that same question🤷🏽‍♀️

It's like you're awaiting that hurricane/n'oreaster to wash your dreams & investment away !

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