Florida Home Insurance Prices Increasingly a Burden for Residents

Climate change is coming for the state of Florida, and it’s already showing up in the insurance market.

2 minute read

December 29, 2022, 5:00 AM PST

By James Brasuell @CasualBrasuell


“As Florida’s property insurance market continues to buckle, thousands of homeowners across the state are increasingly choosing to forgo insurance, sell their homes or even leave Florida,” reports Mary Ellen Klas for the Miami Herald.

Tasha Carter, Florida’s insurance consumer advocate, is cited in the article issuing the warning about the increasing costs of climate change mitigation for Florida residents—and its increasing likelihood to drive out-migration from risky locations around the state.

Carter issued the warning as the state’s legislators gathered for a special session likely to increase insurance rates to stabilize the market.

“Florida’s property insurance market has seen double-digit percentage increases for the past few years,” according to the article. Rep. Tom Leek, an Ormond Beach Republican who is sponsoring the House insurance proposal, is quoted in the article explaining the intended goal of the special session.

“He said the package of proposals — to reduce the financial incentives for attorneys to file lawsuits against insurers, give homeowners less time to file a claim and create a $1 billion taxpayer-funded program to provide backup insurance for struggling insurers — will eventually lead to lower property insurance premiums,” writes Klas.

Meanwhile, the state’s governor remains committed to subsidizing behaviors that emit the most greenhouse gases.

Another Miami Herald article by Nicolas Rivero, published a few days later, also reveals the increasing demand for another form of protection—water pumps.

“[P]umps are an integral part of plans to help save South Florida from flooding. Thanks to climate change, stormwater systems here — and around the world — are coming under growing strain. In some cases, they’re starting to fail,” according to Rivero.

Despite Carter’s warning about residents leaving the state and the increasing cost of home insurance and mitigation measures in the state, Florida’s population growth led the nation in 2022.

Tuesday, December 13, 2022 in Miami Herald

portrait of professional woman

I love the variety of courses, many practical, and all richly illustrated. They have inspired many ideas that I've applied in practice, and in my own teaching. Mary G., Urban Planner

I love the variety of courses, many practical, and all richly illustrated. They have inspired many ideas that I've applied in practice, and in my own teaching.

Mary G., Urban Planner

Use Code 25for25 at checkout for 25% off an annual plan!

Interior of Place Versailles mall in Montreal, Canada.

Montreal Mall to Become 6,000 Housing Units

Place Versailles will be transformed into a mixed-use complex over the next 25 years.

May 22, 2025 - CBC

Logo for Planetizen Federal Action Tracker with black and white image of U.S. Capitol with water ripple overlay.

Planetizen Federal Action Tracker

A weekly monitor of how Trump’s orders and actions are impacting planners and planning in America.

May 28, 2025 - Diana Ionescu

White and yellow DART light rail train in Dallas, Texas with brick building in background.

DARTSpace Platform Streamlines Dallas TOD Application Process

The Dallas transit agency hopes a shorter permitting timeline will boost transit-oriented development around rail stations.

May 28, 2025 - Mass Transit

A curb extension at the end of a block landscaped with small shrubs and pink flowers in residential neighborhood.

Nine Ways to Use Curb Space That Aren’t Parking

California’s new daylighting law bans parking within 20 feet of crosswalks. How can cities best use this space?

June 1 - CalBike

White accessory dwelling unit in backyard of small grey home in Seattle, Washington.

ADUs for Sale? San Diego Could Legalize Backyard Condos

As one of 25 proposed amendments, San Diego may soon allow accessory dwelling units to be bought and sold as individual homes.

June 1 - KPBS

View of mostly full parking lot next to multi-story red brick buildings with modern glass skyscraper in background in downtown Dallas, Texas.

Dallas Ditches Parking Minimums in 14-1 Vote

The sweeping city council decision removes set parking requirements from developments downtown, near transit, small businesses and more.

June 1 - Strong Towns

Urban Design for Planners 1: Software Tools

This six-course series explores essential urban design concepts using open source software and equips planners with the tools they need to participate fully in the urban design process.

Planning for Universal Design

Learn the tools for implementing Universal Design in planning regulations.