If you spend only half the year in Florida, Citizens, the taxpayer supported insurer of last resort in Florida, will raise your home insurance rates 50 percent.
At some point this comes to an abrupt tipping point, where Florida residents simply fold and leave.
That “Hurricane Authority” that the legislator proposed is not workable. You can’t insure against hurricanes in Florida like you insure against earthquakes in California.
Hurricanes hit every few years in Florida and affect a big chunk of the population. And being hit by one hurricane doesn’t affect the probability that you will be hit by another one in the same season or the next year. Furthermore, global warming is making hurricanes more powerful over time.
Earthquakes occur in much narrower regions and tend to come in clusters. (A stressed fault slips and releases energy, and often transfers the load stress to another fault which might push it over the edge.) Seismologists might not know when a stressed fault will slip, but they have a pretty good idea where. Global warming has no direct link with earthquakes beyond shifting a lot of water in a short amount of time.