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This Oct. 30, 2012 aerial photo shows flooding in Mantoloking, N.J. caused by storm surge during Superstorm Sandy. (AP Photo/U.S. Air Force, Master Sgt. Mark C. Olsen)

(Bloomberg) — As the people of New Orleans, New Jersey and New York know all too well, much of the death and damage caused by hurricanes isn’t from the wind. It’s from the storm surge.

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