Insurance is the big issue for people down here right now. It is all we are hearing about as we visit family. All but one were dropped by their carrier and had to switch to Citizens which is the insurer of last resort re: your wallet is not going to be happy. We have friends in Sarasota whose insurance is over 25K a year including the wind damage option...and their house is under 2000K sq feet. Lots of people, who do not have a mortgage, are chancing it with no insurance. It is forcing retirees to leave Florida.
It snows in Jax about every 3-5 years for non accum! Accum is more rare. That may be more than Lanco had last year :-).
Insurance is making some move to their cars which is crazy.
'Pay it, or roll the dice': Florida residents bunk in their cars as home insurance costs cripple people's finances (msn.com)