Trixie Parkes’s 1976 wood-framed cottage long served as her home and main source of income, because she rented two units on the top floor to tourists. But when Hurricane Ian tore through in late September, it destroyed most of the first floor and gouged a gaping hole in the second-floor walls. She didn’t have flood insurance, which she said became too expensive after Hurricane Irma in 2017. Ms. Parkes, 59, plans to sell her property. “I have a great location,” she said. “Maybe somebody will come and offer me a lot of money and I can walk away.”