My argument is that the people who now stand to lose their homes are not the same people who have been disenfranchised.

then that's a fundamentally incorrect understanding of the situation and of how class and race disparities are going to play out during the climate crisis. white, middle-class homeowners aren't going to lose their homes—and if they do they're just going to move because they have the capital to do that even at a loss. the people who are going to lose their homes, or who will be stuck in their position even if they need to leave will overwhelmingly be Florida's working poor and minority groups. this has been the story of every natural disaster in that part of the country. take, for example, Hurricane Harvey:

Among black Texans impacted by the storm, 60 percent say they are not getting the help they need. That compares to 40 percent of Hispanic respondents and 33 percent of white respondents.

Half of respondents with lower incomes say they’re not getting the help they need, compared 32 percent of people with higher incomes. The survey classified people into two income groups — those making double the poverty-level income and those making less than that threshold. Twice the poverty level is an income of $24,280 for a single person and $50,200 for a family of four.

Meanwhile, 27 percent of Hispanic respondents affected by Harvey said their previous homes remain unlivable. Twenty percent of black respondents and 11 percent of white respondents said their previous homes cannot be lived in. And 27 percent of Texans earning lower incomes say their previous homes aren’t safe, while only 9 percent of higher earners said the same thing.