I believe Florida market exits had more to do with litigation-friendliness than premium caps or disaster risks. E.g.,

> In 2020, 79 percent of homeowners insurance lawsuits nationwide were in Florida—even as the state accounted for only 9 percent of the U.S. homeowners insurance claims, according to the Florida Office of Insurance Regulation.

There were some recent reforms in response (HB 837, 2023; SB 2-A, 2022).

Ah, fair point