If you live near or around sea level, especially in the Tampa Bay area, you can not survive the forecasted storm surge by accident. This is not a joke. I know you may have lived in Florida your whole life and been through dozens of hurricanes, but it only takes one you aren’t prepared for. As a result of having narrowly avoided multiple severe hurricane impacts over the past 100 years, the Tampa Bay area has been built up with little consideration for the fact that it eventually would be hit. The only regional trauma center is at sea level and on an island.
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Do not play with your life.
Also do not accidentally dox yourself on this post
Yes, Hurricane Ian caused $60 billion in insured losses and Florida's gross state product is $1.64 trillion (3.6 percent of GDP).
As natural disasters increase you'll probably see a lot of insurers pulling out and raising premiums even further, then government funding for reinsurance and possibly insurance only provided to properties that meet particular standards of natural disaster resistance.