Florida NON-FLOOD ZONE property insurance is already astronomically high......................
Compared to what? In Colorado, we live in a fire danger area of the mountains and our insurance is $4,200 a year.
Our home in Florida is near the bay and carries flood insurance with the property insurance for a total of $2,100 a year. The home was in the direct eye of hurricane Michael in 2018 too, and it suffered damage.