I communicate with some Florida residents and the ones living in central Florida are fine but the coastal residents are screwed.I've read some articles about the homeowners insurance issues in FL. I don't know how it's ever going to be "fixed" because after every major storm, insurers refuse to write new policies or threaten to leave the state altogether. Those that stay are only doing so because of subsidies and a law that raises rates on everyone if a single insurer gets killed by a major storm. The flood insurance issue is a federal law and affects the entire country if you're in a flood zone. Florida has nothing to do with it other than it's location.