[lucysmom]

As someone insured in a state other than Florida, I see this as the right thing to do. I do not want to subsidize the insurance costs of those that choose to live in higher-risk areas.

I have not had an insurance claim in 25 years, yet my rates go up every year. Obviously I'm subsidizing someone. That is how insurance works.

[laotzu]

I have not had an insurance claim in 25 years, yet my rates go up every year

The value of your home, and the cost to replace it, has also gone up considerably over the past 25 years.

Insurance companies accept risk. People who purchase insurance transfer their risks onto the insurance companies. Risk is constant, 24/7. As such, insurors earn their premium everyday; not just when there are claims.

You don't just pay firemen when there are fires.