It's not the purveyors of insurance, it's the hurricanes.
Unfortunately the great retiree migration to Florida corresponded to a very flukey and unusual 40+ year absence of hurricane hits in Florida, which people moving there were unable to assess or think about accurately. Now things are returning to normal for Florida hurricane hits.
In the future people are only going to be able to retire there if they can afford it. If not they'll have to move or choose another place with less risk of property destruction. Simple reality and simple economics.
However it's really not that hard or expensive to build housing that can survive the winds of all but a tiny % of hurricanes...it's unfortunate that that hasn't happened. If people simply didn't live within a couple miles of the coast, the sole damage threat would be the wind, and with proper construction the wind wouldn't be doing a lot of property damage.
Conversely, one could say that the insurance companies have been making out like bandits for 40+ years. No hurricanes, no claims.