The 35 Billion dollars in damages hurricane Ian is the first mostly uninsured storm, at least for homeowners. https://www.wesh.com/article/florida-insurance-bankruptcy/40044775#
It is likely to be more expensive than when cat 5 Andrew hit Florida.
Republican politicians were lobbied by insurance companies so naturally nothing was done to push back against the exodus of Insurance companies.
They are counting on Federal money to deal with Florida disasters.
Finding high ground in Florida or hurricane insurance is a fool's errand.
I wonder if Mara Lago has storm insurance? I don't live in FL so I don't know the opinions of Floridians on the ground.