I'd guess about 80% of the dunes on Okaloosa Island between Destin and FWB are gone. There are only a couple of decent sized ones left. If you remember where the doppler weather dome was, part of that dune is still there, and the weather station was teetering on the edge of that dune for months before the AF decided for safety's sake to tear it down rather than try to move it back a little and prop it up.
The 98 washout looked like it was because of water from the bay coming over a point in the road that was both at 3' above sea level and way too close to the water. (it seemed like the westbound lanes of the old road was 10' from the water) As part of the rebuilding process, they shifted a good stretch of roadway toward the center of the island so it's not so close to the bay anymore.
For a while after the storm, the condos that were open were swamped with construction workers and disaster relief people commuting to Navarre and Pensacola every day.
The Gulfarium reopened in April.