> I can see out of state buyers get what looks like a house they can afford, only to find out they are on the hook for a huge insurance bill every month. While

> I can see out of state buyers get what looks like a house they can afford, only to find out they are on the hook for a huge insurance bill every month. While true, the influx of move-ins also played a meaningful part in raising insurance costs. The sudden spike of buyers with NY & CA sized dollars massively inflated FL home prices. This further stretched tight JIT construction inventories which further drove up home replacement/repair costs. What eases the above? More building. Where's the building happening? All over but with little regard to historical risk - whether an area sees 30 landfalls in 150 years or maybe one.