+1 tophcfa
"- People living inland, who have significantly lower exposure to natural disaster risk, should not have their premiums jacked up to subsidize those who choose to live closer to harms way. If people living close to the shore can’t afford, or get, insurance then that shouldn’t be others problems for their riskier choices."
If folks want to live on the Florida coast or adjacent to the San Andreas Fault in California, they should be in their own group. I do not want to subsidize their risk at all. Here in Central Florida any one of us could have our house hit by lightening or a tornado, not as a result of our foolish decisions.
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