I agree with you. I live 12 miles from the ocean, but I pay the same rate as those next to the beach. The house is over 40 yrs old and has been through about 15 hurricanes with no damage. With current technology, the insurance companies could easily determine damage risk at each individual house location, but they don’t want to price in the risk at the house level or even the zip code level.
I think the solution to Florida’s Insurance issue is twofold, a multi-tiered insurance system that takes in the risk of where you live and significantly upgraded building codes, I hope we get it but I am doubtful.