Many of us who are now locals, have not been here long enough to report on the storms which actually hit Walton County. I believe the last direct hit was Opal, back in 1995, which reportedly hit in Dune Allen. If you want to read about the mother of storms, I believe it was back in 1929, or sometime around then, and it was bad. I've heard some stories about that storm which sound a bit exaggerated, but who knows?
While the storms of 2004 and 2005 did major damage to the dunes and beach, and many homes built directly on top of the dunes, they didn't really affect most properties, nor did they actually hit directly in SoWal. Had homes not been built directly on the dunes, it is safe to say that the damage would have been nominal, and people wouldn't have spent millions of dollars for seawalls and sand, nor would we be paying for beach nourishment.