Properties on P.E.I.'s North Shore took the brunt of post-tropical storm Fiona's battering last month, and where the sea rose up and swept things away, many owners are finding they were not insured. It's called a storm surge. Winds driving water onshore combine with a high tide to raise the sea well above normal levels. Surges of more than two metres were measured in several locations during Fiona. These surges combined with metres-high waves to wreak havoc on the shore. It's a risk for all coastal properties, but climate change has made it difficult to put a price on that risk, making storm surge insurance rare.