HORSESHOE BEACH, Fla. — This remote seaside enclave known as “Florida’s Last Frontier” took much of the pounding from Hurricane Idalia when it struck the state’s west coast as a Category 3 storm last week.

       The damage left behind in the fishing village of Horseshoe Beach is exposing a gulf between haves and have-nots as cash-strapped residents could be forced to leave the quaint, remote community rivaled by few others along the Florida shoreline.

       With emergency crews still working to restore electricity and provide temporary housing, locals worry that those unable to afford insurance will struggle to reconstruct homes that must comply with modern, more expensive building codes. Longtime residents share varying degrees of bullishness that the charm — and business — will return to the quiet town of less than 200 people.