By the time Nav Singh reached Inverness on Saturday, three feet of brackish water had already inundated the market she owns with her husband, Raj. The rain had finally relented and the clouds were beginning to break as a gaggle of residents in raincoats emerged, mingling with disaster tourists drawn by the spectacle of 20-foot waves and a downtown submerged beneath the tide.

From the front porch of the post office—now a peninsula besieged on…