Waterfront homes under water: when?

[Kelly Sennholz]

Every governmental agency and insurance industry media has said the insurance industry can not withstand the growing storms due to climate change. They estimate waterfront and water adjacent homes will become uninsurable. https://www.insurancebusinessm...

I estimate that although a rate creep will and is already happening, a major blow will occur after a large storm causing a more sudden housing disaster. These waterfront homes will, in one day, become worthless and unsellable as without insurance, no bank will mortgage them. 

HERE IS THE QUESTION: By year and month, what is your guess as to when that will happen? 

AS A BONUS: What is the date you think Lake Mead will deadpool?