No subsidies. I believe there is a State Fund that residents can pay into, but that is all the State of Florida offers.
You are mistaken. The Federal Government's National Flood Insurance Program underwrites an astonishing percentage of the insurance policies issued in the state of Florida, as well as in other low lying and coastal areas around the country. If it weren't for the Federal Government's largess, nobody could afford to live anywhere near Florida's coast, at least not if they want insurance.