Tens of thousands are still living with the losses dealt by Hurricane Sandy, while those who reside farther inland have gained something different.
"People are going to have to brace for some increases in the coming years," said Alan Fetrow, an agent at Fetrow Insurance Associates in Mechanicsburg. "It's not going to all happen at once. It is going to happen over a period of several years."
Many home owners will see their insurance premiums rise by about 10 percent because of the storm - even if they have never filed a claim.
"Think about what has happened in the past three years, tornados and earthquakes. Dillsburg gets hits with earthquakes plus all the rain, the floods," said Grant Fetrow, who is the second partner in the company.
Experts say that rates following a storm like Sandy do not depend so much on your location, but your insurer's. If their coverage area includes portions of New Jersey and New York, they have to recoup losses.
"You are pooling a risk," Alan Fetrow said. "You are paying possibly one percent of your property value to insure a large asset."
If a company is large enough, however, you may be protecting more than yourself.
While midstaters understand how close we came to destruction, sharing the burden might be a little harder to stomach for someone in say, Utah - where one year later the name Sandy may barely ring a bell.