This Nov. 29, 2012 photo shows the ruins of homes near the oceanfront in Brick Township, N.J., a month after Superstorm Sandy pummeled the area. On Thursday, Jan. 2, 2014, U.S. Sen. Robert Menendez, D-N.J., held a news conference in Brick to push for passage of a bill that would delay massive flood insurance premium hikes for up to two years while the federal government studies their affordability and the science behind them. (AP Photo/Wayne Parry)