In 2004, Florida experienced unprecedented catastrophe: four major storms in a six-week period that damaged one in five homes and cost more than $20 billion in insurance claims.  In 1992, Hurricane Andrew alone caused $20 billion in insured damages. If Andrew had veered north and hit Miami with the same force it struck Homestead, damages might have exceeded $50 billion.

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Any Category 5 hurricane that strikes a populated area has the potential to cause more than $50 billion in damage. A catastrophe of that magnitude would have national economic implications. Insurance rates would skyrocket and insurers would be difficult to find. Some consumers would be unable to find insurance at any price. Florida and the nation can be protected from the economic consequences of such catastrophes by preparing for this eventuality in advance.

Learn more about Florida's vulnerability to catastrophe:

Florida Division of Emergency Management

Florida Community Emergency Response Team

Florida Department of Environmental Protection

Florida's Property & Casualty Insurance Reform Committee