The Fanchers’ predicament is just one of many linked to the insurance crisis in hurricane-prone Florida. Rates are sky-high and expected to continue rising as catastrophe claims surge and Floridians face few insurance options and increased scrutiny during underwriting.

It’s a new day, and an unfamiliar tingle of hope is in air. But we must beware the trend of backloaded hurricane seasons.

Hurricane risk by state. ... Per usual, the highest risk is in Florida, which faces a 90% chance of being impacted by a tropical storm and a 62% chance of being impacted by a hurricane.

Hurricane risk is expected in Florida, but communities in Virginia, the Carolinas and along the Gulf Coast are also prone as well — but the difference is that those areas are often less prepared ...