Living here in Florida all my 60+ years, the State Government did nothing over the years, the local governments allowed homes to built on land that was once swamp land in low lying areas.
A sizeable percentage of people moving to Florida want to live as close the ocean as their finances allow which leads to more homes getting destroy when a hurricane comes thru which it eventually will if you live in Florida long enough.
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.