Same here in Polk Co.
Why is my solid 67 year old concrete high and dry home, metal roof, in the same risk pool as a millionaires beachfront palace???
There was a reason the old timers didn’t build on the beach.
Historically, hurricanes die down enough before they reach us therefore damage is an order of magnitude less. The homes in the area, other than some shingles and fallen trees here and there, are still intact after decades of storms. Homes are not disintegrated and swept away like you see in the coastal flood areas.
My home insurance policy, the only game in town at present, went up 43% this time around. I have no mortgage and may not write that check next year. Yet....I am to pay for mansions on the beach.
Yes, we need relief and reform.... present conditions are not sustainable.
If I ever build another home in Florida, it will be built using the Insulated Concrete Form (ICF) method of poured concrete walls, storm resistant windows, and a metal roof and I would think long and hard about being self-insured.