The State of Florida

We are talking about Florida, the state that gets slammed with hurricanes almost yearly, not mention a massive one last year that practically wiped out their southwest coastline, correct?
Then why haven't Louisiana and Mississippi's homeowner insurance skyrocketed? They get it much, much worse than we do.

Why hasn't California's skyrocketed? They have had yearly, massive wildfires that burn down whole communities and towns.
 

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