Long Beach Island, NJ has a million benefits; this 18-mile stretch of northeastern greatness has enough refinement to keep locals content and enough excitement to seduce visitors. Just ask either and they'll sing the praises of soft, sandy beaches, high-end putting greens, seafood aplenty, and awe-inspiring ocean views.

Life happens. More importantly, nature happens. And though thinking about natural disasters might feel morbid and unpleasant, protecting your home from the beautiful but volatile ocean is a must when you live on Long Beach Island. In fact, depending on where you choose to plant roots, flood insurance could be a requirement of your mortgage.