i think it has little to do with hurricanes

sure, it increases the risk to a certain degree but companies can always just charge more to offset the costs of paying out premiums. the problem is that the state government has certain prohibitive laws in the insurance space meant to more or less subsidize homeowners insurance

it's not easy to be an insurance company in florida with the high rates of fraud and the state needing to approve all sorts of premium increases

ultimately what i foresee happening in the near future is likely an increase in the state-funded insurance programs. which to be honest, i'm totally OK with. i don't like insurance companies

although it is ironic if it does go down that route - collectivism in the state that "woke goes to die" as our dear governor delicately put it