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I'm really curious what home insurance will cost in Florida in a few years
It would be interesting how would they explain higher rates and also not mention global warming which is obviously forbidden now.
Well just this year it went up 13.9% for me, just below the threshold where it would have triggered a review. Also keep in mind that the industry is quite profitable. Large premiums are extracted and paid to controlled affiliates that aren't subject to the rules governing insurance companies. As a result of these shenanigans the industry cries poverty while making bank.
> Well just this year it went up 13.9% for me

Any idea what it could be for LA or nearby residents? For Chicago, or IL residents in general - their home insurance just doubled. If you try to shop - the new quotes are at least tripled. Not sure why? There are no natural calamities here.

Have you checked the FEMA Flood Map? https://www.fema.gov/flood-maps A.f.a.i.k. it is part of the calculation.
No idea. The insurance companies down here are very small and almost all of them are Florida-only.
Why should the rest of the population subsidize their choices?
Everyone subsidizes everyone else.

I subsidize roads for rural residents and lower rural wages and property values subside my food.

That’s called being a nation state.

If you claim that no one should live where there are hurricanes I will reply “or heat waves or blizzards or tornados or floods or inadequate arable land or inadequate water or forest fires or earthquakes” and we’ll be stuck in limbo unable to live anywhere.

I agree that we're all in it together, but we're not all subsidizing each other. Some states are highly dependent on Federal funds, others are not. CA for example contributes tens of billions more than it takes from the Federal government, enough to cover the entire state budget of one of the worst in that regard, Kentucky... more than 5X.

https://wallethub.com/edu/states-most-least-dependent-on-the...

I'm not sure why talking about the wisdom of living in a fire corridor or flood plain is somehow taboo, especially when the people paying are generally not the people living in those places. Even setting climate change aside it's an issue, as we see in places like coastal Florida, or communities in and around LA when fires come.

Just sticking your fingers in your ears and shouting "Everyone has to live somewhere" as though the country is full to capacity is really unhelpful.

Because that's how insurance works, generally speaking...?
Or if it will be available at any cost.
Why fight God's will?