Most insurance co are trying to get out of FL. State Farm dropped ocean front years ago–my own sf agent couldn’t insure his own house. we are already on a high deductible–state law and also a “storm” deductible of 5% of the value of the house. We’ve taken steps to stop the possibility flood waters to come into the house, but only time will tell. we’ve been here 21+ years and haven’t had a problem even when we got 18″ rain in 24 hrs.