Why should they? The State won't listen to them. The State won't do their jobs to keep The People and their property safe? The Whole State is uninsurable due to inbred stupidity. Insurance Companies have no obligation to insure the 'Stoopid'. In fact, I think it's a specific exclusion.
After Hurricane Andrew, Florida started it's own Insurance Company, now called 'Citizens'. Of course it is
It has been an unmitigated clusterfukk from Day 1. I was knee deep in it. It was horrible.
Even with competent Political leadership, it's a disaster. Politicians should never get involved in Business. First off, they're not that bright and secondly, the vast majority of politicians are Lawyers and they are the ABSOLUTE WORST BUSINESSMEN ON THE PLANET.
Even an honest Lawyer will tell you that. The successful ones all have business people advising them and running things. Politics and business do NOT mix