Home insurance and the unraveling of Florida communities

Florida’s current approach to insurance is forcing those who can least afford it to bear the cost of the climate crisis. But different approaches are available.

By: Zac Taylor, Delft University of Technology, The Conversation

Outlets: The Conversation

Published: June 9, 2026

Words: 1,483

Last Updated: 1 month, 2 weeks ago

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By Zac Taylor, Delft University of Technology

While visiting family in St. Petersburg, Florida, in November 2024, I found myself walking down a quiet residential street in Shore Acres, a low-lying, bayfront neighborhood not far from where I grew up.

Two months earlier, Hurricane Helene had sent several feet of water into homes here, even though the center of the storm had stayed far offshore. Just days after Helene, Milton made landfall nearby as …

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