Florida is the only state that borders both the Atlantic Ocean and the Gulf of Mexico. You're never more than 60 miles from the nearest body of salt water. Since 1851, 41% of all hurricanes have hit Florida.
Floridians pay roughly three times the national average on homeowners insurance premiums. We make up roughly 7% of the U.S. population and about 8% of all property insurance claims – but it also represents almost 80 percent of all property insurance litigation. Florida's lawsuit system promotes frivolous litigation scams, which ends up costing every homeowner with higher premiums.