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On battered Jersey shore, Sandy victims struggle with costs of climate change

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Complicating matters is Congress's decision in July to end subsidies for federal flood insurance. Taken as a whole, it is a cautionary tale for the country, as many Americans – perhaps for the first time – discover how climate change can hit their pocketbooks.

Zoning official Bernard Mackle has worked in Toms River for 25 years, but he calls this "a new challenge." For his part, Mr. Mackle doesn't know if Sandy is related to climate change. Scientists point to overwhelming evidence that the world is getting warmer, and this has resulted in warmer oceans that fuel more extreme weather, as well as rising sea levels, which threatens coastal areas.

"If superstorm Sandy was in some way related to global warming, we are feeling the effects of it," he says as he reads through dozens of flood-related e-mails.

His more immediate concern, however, is how to deal with the new zoning codes. "We have to address how to impose the new codes that require homes to be lifted," he adds.

The new codes are needed in a time of changing climate, scientists say.

"You can't attribute Sandy to increased ocean temperatures, but the increased intensity of the storm can be attributed to a warmer ocean," says Kenneth Miller, an earth scientist at Rutgers University in New Jersey. Homeowners who do not elevate their houses "are rolling loaded dice for extreme events."

But imposing the new codes during storm cleanup has proved chaotic. Toms River is home to 95,000 people. Fifteen thousand homes were damaged or destroyed in the storm, nearly half the town's housing stock and a substantial portion of the 72,000 homes and businesses that were hit in New Jersey.

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