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.

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.

Florida must address the insurance cost challenge. Mitigation is the state’s most proven, cost-effective and underutilized insurance strategy.

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 ...

Hurricane Ian in 2022 was the costliest hurricane to make Florida landfall — causing more than $112 billion in damage, according to the National Hurricane Center.