Florida has 13 of the most disaster prone counties in US
 

Does anyone know why Marion is on the list???

Over 10 Florida counties rank most at risk for natural disasters | wtsp.com

Could it be because of "Sinkholes"... :22yikes:

Fires in Ocala National Forest

Ocala National Forest, forest fires...

Yep, that would be my guess.
Also, you have to consider the size of Marion County compared to some others.

Doesn’t seem to matter much that Sumter and Lake counties are not on this list. Do you have your homeowners premium for 2023 yet? In short language it “smells”!

According to Forbes, Marion County is on the list due to FEMA disaster declarations related to hurricanes.

I am shocked Monroe (Florida Keys) is not on there.

They are probably there for two causes. The national forest and watershed/flood plain of St. John's river. Just look at the watershed and subset of tributaries of the 300+ mile long river. Forest fires and hurricane flooding.

A lot of the insurance cost increases is multifaceted. Hurricanes being one. Your neighbor's "free" roof and rising cost of insurance claims another. We insurance holders pay for all those tort law advertising on the TV everyday.

Give me a separate higher deductible on my roof, I'll promise not to engage Dewey, Cheatem, and Howell, and cut my insurance premium. No reason why you should get a totally new roof when a hurricane tears off some shingles from your 20+ year old roof. When you get a nail in one tire with 10,000 miles on them, do you get four new tires? And does insurance pay for them?

My guess would be because of the Ocala national forest. The higher risk of fire. Just a guess

Just about every state has their own type of disasters that drive up homeowners' insurance rates. We all think Florida is the highest but check out this chart of reality.
https://www.bing.com/ck/a?!&&p=c7e03...dGF0ZXMv&ntb=1

Ocala has always been know as the lightning capital of Florida.

Building codes are what requires insurance companies to pay for a new roof.

All of those reasons, plus an abundance of sinkholes.

Don't be silly. Building codes require houses to have roofs and houses in Florida to have roofs that can withstand hurricane force winds. They do not dictate to insurance companies what they are forced to pay for.

As evidence, I offer my own concrete-and-steel 2008 CYV, with original hurricane-resistant roof, which is still under warranty for 5 more years, and inspected to be sound last year. Last year, my Florida insurance company dropped coverage on that roof, except for damage caused by a named storm. This year, they reduced the coverage on that roof for named storms to the depreciated value of the roof (less than the deductible), effectively removing the roof entirely from coverage.

The Florida legislature, not the building code, dictates what insurance companies will pay for. Last year, they dictated that insurance companies must insure 15-year-old roofs with five years of life remaining.

So, the moral of the story is that NOBODY tells a Florida insurance company what they will or won't do. They do any damned thing they please.

Don't worry, we have it under control. Al Gore is going to deem it man-caused and add that to his speeches and make millions off the idea. It's the global warming that is causing all the problems in those counties and we are going to get to the bottom of it. No more fossil fuel machinery! It's all the CO2 being released. :loco: