One thing to keep in mind regarding the whole tax payer money argument: a lot of the road projects in Florida are paid for by the tourists. I'm not sure about Ft. Myers, but up in Pinellas County there's an extra 1% sales tax on all non-essential goods that goes, mostly, toward infrastructure improvements, parks, etc. No income tax in the state.
Now, FEMA dollars going to home owners, federal highway dollars going toward road construction, etc. are a different matter. But a lot of the smaller, local road projects could be paid for by local tourism.
It may not be wise to build on these, or in other environmentally hazardous areas, but that's not going to stop people from doing it. A lot of people who know that sea level rise is happening still choose to live in low lying areas on the water because...why not? It's here now, I'll enjoy it, and I'll move when I have to. Short sighted? Maybe. But that's their choice. We just need to shift public policy to make it clear that while it's your choice to make, the rest of society won't bear your burden because of it.