Florida is stuck again just like they were in 2007 though to a lesser degree so far....people paid too high of a price for a home and between that and the interest rates, back to keys being handed back in again. The home insurance is one of the big issues as well with many people having to go with the state program because commercial companies will not cover them anymore. We saw a friend in Daytona last week, 1.5 blocks off the beach, and their home insurance is 8-9K a year.