Hundreds of people like the Faasts left the Keys of their own volition in the years after Irma, deciding one way or another that the risks of staying there outweighed the benefits. But perhaps the more turbulent phenomenon after the storm was the involuntary displacement caused by the shortage of affordable housing on the islands. The storm destroyed not only the massive mobile home parks on islands like Big Pine, but also hundreds of so-called downstairs enclosures, small apartment-style units that sat beneath elevated homes.
It also wiped out dozens if not hundreds of liveaboard boats and older apartment complexes in island cities like Marathon. These trailer parks and apartment complexes had been havens for resort waiters, boat buffers, and bartenders, allowing them to get a foothold in an archipelago that had long ago become unaffordable for anyone who wasn't rich. Now all that housing was gone, and FEMA's 50% rule, which prohibits improvements to structures that cost more than 50% of its market value, prohibited most trailers and downstairs enclosures from being rebuilt.
Many of those who had been lucky enough to own small homes or campers hadn't been able to afford insurance, which meant they missed out on the payouts that went to wealthy homeowners and part-time vacationers. To make matters worse, the government of the Keys couldn't build enough new homes to fill the gap created by the storm: the state had long ago imposed a de facto cap on the number of building permits Monroe county — which encompasses the islands — could issue, an attempt to make sure the population did not grow too large to evacuate the islands in a single day. Thus it was impossible for most residents either to rebuild their old homes or to buy new ones.
Some of those who lost their homes were able to crash with friends and family, and others got by living in tents or trailers, but others resorted to a forest homeless encampment. The lack of housing made the storm survivors feel as though they were stuck in a permanent limbo: life on the islands became a game of musical chairs, in which only the highest bidders could end up with a seat.
Delaying the inevitable
Debra Maconaughey, the rector at St. Columba Episcopal Church in Marathon, spent the years after Irma trying to forestall this involuntary displacement. When the storm hit, Maconaughey and much of her congregation were in Ireland, retracing the steps of the original St. Columba, and by the time they returned to the Keys it was clear that housing would be the defining challenge of the next few years. "Everybody's house was destroyed. That's what people would need the most."
We were speaking in the church's open-air pavilion, where Maconaughey had been delivering outdoor sermons even before the coronavirus pandemic. Irma had weakened the timbers that supported the roof of the central chapel, forcing the church to move worship outside.
In the first week Maconaughey was back, she helped transform St. Columba's campus into a massive shelter for boaters who had lost their homes in the storm, cramming two dozen air mattresses into a loft that had previously been used for an after-school program. The next week, Maconaughey and her congregation installed approximately two dozen trailers around Marathon, giving the boaters a long-term place to stay.
Maconaughey knew there was no chance the county government would restore all the housing that had been lost in the storm, but after a year went by, she found herself shocked at how little had been rebuilt. A nonprofit land trust had erected only a handful of new cottages and a $50 million state program called Rebuild Florida had repaired only two homes, a pittance compared to the thousands of dwellings that had been swept away.
So Maconaughey called up the nonprofits who were funding St. Columba's relief efforts and made an unconventional proposal: the church, she proposed, would buy some derelict housing and fix it up. She had her eyes set on a leaky, mold-filled apartment complex in Marathon that had been condemned for sewage issues a few years earlier. The apartment complex finally opened in the summer of 2020, providing cut-rate housing to 16 families who had been staying on couches or in trailers since the day the storm hit.
Never coming back
But for every person who found permanent shelter, there were more who could not afford to wait for the islands to recover. This wasn't only because people didn't want to return, but also because there were no homes to which they could return. Maconaughey told me with distaste that in several places along Marathon's beachfront, developers have built single large mansions on lots that once contained three or four small homes each.
The lack of affordable housing in turn created a labor shortage: fire and police departments couldn't find enough officers to fill their shifts, boat maintenance companies struggled to locate buffers and repairmen, and many hotels went shorthanded through the on-season rush. When employers exhausted their hiring options on the islands, Maconaughey said, they started to hire workers from the mainland towns of Homestead and Florida City, who take a two-hour bus ride in either direction to work for minimum wage.
"I think people are really struggling, and it's just below the surface," she said. "We're a tourist area, so it's in our best interests to make it look nice from the highway, but there's hidden pain."
Maconaughey told me about the church sexton, Mike, who was driven out of the Keys by Irma. Mike showed up after the recession in a homeless shelter in Marathon. He was blind, and when he first arrived at the shelter he couldn't take a shower or put on clothes without assistance. After a year in the shelter, Mike started attending services at St. Columba, and soon displayed a great talent for weaving wooden canes and chairs, a craft he often practiced on the church pavilion after sermons. He also taught the kids in the after-school program how to play chess.
Mike was on the Keys as the storm approached, not with the congregation in Ireland. He first sought refuge in the massive Miami hurricane shelter, but by the time he got there, that shelter was full. As shelters in Florida all reached capacity, emergency officials herded evacuees from the Keys up toward Georgia, North Carolina, and Virginia, offering them bus transportation as far as they were willing to go. Mike was unsure when he would be able to return to the Keys, so he asked for a ticket to Minnesota, where he grew up. He was never able to get back.
"We kind of lost him," Maconaughey said. "He got on a bus to evacuate and now he's gone. He was a huge part of our community … You have to ask yourself, do you ever recover from something like this?"
Jake Bittle is a climate reporter and staff writer for Grist.
This is an excerpt adapted from "THE GREAT DISPLACEMENT: Climate Change and the Next American Migration" by Jake Bittle. Copyright © 2023 by Jake Bittle. Reprinted by permission of Simon & Schuster, Inc.