Kinda. It is why the state of Florida subsidizes homeowner’s insurnace policies. Otherwise, because of future known risks, it would be untenable. Also, many

Kinda. It is why the state of Florida subsidizes homeowner’s insurnace policies. Otherwise, because of future known risks, it would be untenable. Also, many formerly vacant parcels of land known to be in the likely paths of hurricanes, have become subdivisions. I guess that is why flood insurance is a separate and optional policy?