Sure Florida is easy to poke fun at - we have had our share of storms, "the plywood state" as opposed to the sunshine state... Still what would happen if/when a hurricane hits NYC, or washington DC? Or (insert your large eastern seaboard town here).
What happens to home insurance as we know it if that happens?
I know crazy - but with Florence briefly pointed that way, it made me think. Then it made me look up some history - and 1938 Hurricane hit Bellport, NY - Long Island...
Barometer from that storm...
http://www2.sunysuffolk.edu/mandias/38hurricane/hurricane_future.html
"Coastal New York state is second only behind Florida for the amount of insured coastal property (Insurance Institute for Property Loss Reduction (IIPLR) and Insurance Research Council, 1995) so future hurricanes may have severe economic impact."