[dawn53]

But you can bet our rates won’t go down, just because they have had no major payouts for a couple years. I haven’t made a claim in 20 years, don’t live in an evac zone, entire house was upgraded to Miami/Dade code 3 years ago, we haven’t had a major hurricane hit our area in years, yet State Farm still raised my rates 75 percent this year (and even if a hurricane hit, my hurricane deductible is so large it would almost cover the cost of putting on a new roof.)

[darkwing104]

But you can bet our rates won’t go down

You can say that again. My house was built in 2006 and outside of a flood zone and yet I am paying the same rate as the clowns closer to the Gulf.