That’s why the correct way to cost storms is by normalizing for growth in the economy and/or insured value. The most expensive storm ever, by 2x, is the Miami hurricane of 1928.
The Journal ran an editorial discussing the various ways the taxpayers either directly - through disaster relief - or indirectly - through insurance regulation - subsidize high-risk coastal development. If individuals had to pay the actual costs, a lot more people would live inland.