I get that no region is immune to the climate crisis, but I just can't fathom moving to or buying property in a place as acutely vulnerable to it as Florida
I live here. The weather SUCKS. Half the year it is inhospitable. 90's with the humidity of the underside of a track runner's ballsack. You walk outside and your pores just expel all the moisture they've ever held onto to in your life. Every day it rains, so it goes from being hot and humid to dumping warm Gulf water on you and being even more humid and just as hot.
Then you pay a high sales tax because we are trying to collectively gouge tourists. Your property taxes suck because we also experience the same housing crisis as everyone else except here we MUST carry flood insurance and nobody wants to insure you and that goes up as housing prices go up as well. Some people pay more for the fucking insurance than their mortgage. Oh, and they are redrawing flood maps again. by 2026 not a single home will be exempt from flood insurance. I rent like all my fellow working class people so fuck em I guess lol.
Every day it rains, so it goes from being hot and humid to dumping warm Gulf water on you and being even more humid and just as hot.
Now you might be thinking, “But wait, I live in a place where it rains, it’s not that bad!” it doesn’t rain there like it does here, unless you live somewhere just as uninhabitable. In the UK, in the Pacific Northwest, hell even in the American northeast most of the time, if it’s raining just carry an umbrella and you’ll be fine. You can walk around London for a whole day while it’s raining and be totally dry at the end. In Florida if you carry an umbrella you’ll maybe be slightly less wet, if it doesn’t just rip the umbrella from your hand.
Every drop of rain here is the size of 20 of your standard English rain drop. It’ll be bright and sunny all morning and then around 1-2pm you’ll suddenly notice the sky darken and in a short time you’ll see what most places would consider too much rain for a month fall over the course of like 30 minutes.
What’s super fun is the rains are also super hard to predict. You know how most rain clouds build over some time and distance, migrating from an area with lots of evaporation such as oceans or forests, so you can track the clouds and where rain is likely? Yeah that’s not where Florida rain comes from. It’s so hot and humid that it just picks up all the water from yesterday’s rain and whatever swamp you happen to be near and drops it right back down on you.
Oh yeah, and you know how sometimes for a while it rains everyday at like 1-2pm. Then in a few weeks that shifts later and later until you get your 30 minute monsoon during traffic? Fun times when that happens everyday for 2 weeks during rush hour.
By the way, did I mention I used to commute everyday on a motorcycle here. I had to ride home one night in tropical storm level rain. I waited 4 hours after work for it to clear up. Finally gave up and it was like 9pm and I'm riding home during 60mph gusts and rain so hard you can't see 20 meters out.
Anyone who says Florida has good weather is the dumbest moron on earth. I’d rather the weather of fucking Scotland than this burning swamp.
There’s new construction happening in Miami
It’s delusional. I don’t know what else to call it. This whole state needs to be evacuating
I feel like this will actually have a huge effect on Florida and potentially scare rich old fucks into going and bothering other areas. Swing state coming back in 10 years? Lmao
We need to start reaching the Gillfolk, the Merfolk and possibly the Deep Ones now
The Atlanteans are too concerned about hosting the Olympics in 2028
The uber rich are already going to NZ and Jackson Hole but they still have their beach houses in FL
isn't jackson hole where the survivors in the Last of Us built their community?
Yep just started playing part 2 actually, Jackson is the good people town, technically it's just Jackson and is in the valley which is called Jackson Hole
Swing state coming back in 10 years?
Could just become another Louisiana failed state.
Can't wait for the government to perpetually provide "relief funds" to those poor helpless landlords and private equity firms.
We're reducing our risk to protect the rest of our buisness.
less risk means the rest of us have reduced premiums?
does that mean lower premiums?
So the state will probably have to step in even more to subsidize all types of insurance required for living here. Florida has a huge problem with all kinds of insurance fraud. Roofing scams are probably near the top.
Situations like these always remind me of this
Perhaps no market force has proved more influential — and more misguided — than the nation’s property-insurance system. From state to state, readily available and affordable policies have made it attractive to buy or replace homes even where they are at high risk of disasters, systematically obscuring the reality of the climate threat and fooling many Americans into thinking that their decisions are safer than they actually are. Part of the problem is that most policies look only 12 months into the future, ignoring long-term trends even as insurance availability influences development and drives people’s long-term decision-making.
Part of the problem is that most policies look only 12 months into the future
Genuinely that seems insane. Property insurance should be in like 10-20 year terms if not “until you don’t own it anymore”
So the state will probably have to step in
but have you considered the freer the markets the freer the people?
To be clear there is a state run insurer that was created after Hurricane Andrew because insurers were exiting from losses. The situation is so much worse now.
That's gonna be hilarious when
has to pay more tax in Florida because it has to be subsidized for insurance companies to do business there.LOL We already have it. It's called Citizen's. It's the state subsidized insurance we made from the last time we had this crisis. But they didn't want it to actually be competitive with the "free market" so they gave it all kinds of rules to hamper it, like you must carry flood insurance even if you aren't in a flood zone, which raises the premiums for all kinds of people who wouldn't otherwise be required to have it. They just reversed that requirement but it's too late. We are getting re-zoned across the state. In a few years EVERYONE will be a flood zone (because of course we are thanks to climate change) so all the homeowners here will need it anyways. I think right now we are at our last 2 insurers. If they pull out its only the government cheese for home insurance. It's just all kinds of mess and they don't want to change it because "muh free markit" so everyone is just angry about this. Gov Dickwad here wants to try and paint the insurers as the bad guys (and they are because insurers are bad guys by default) but even the most brainrotted conservative knows this issue is political and lies at the heart of his refusal to take action.
What I EXPECT to happen is they relax the rules for insurers on how they can provide flood and home insurance to people basically giving them policies they pay on that the insurers can find a million reasons to skimp on payouts. What will actually happen is they lower the standards for how an insurer can setup shop here in the state and we get a bunch of mom-and-pop insurers that seem like a great solution for a particular region like the Miami metro Dade area and they experience a catastrophic storm a year or two after a bunch of people get on it and just flop and everyone loses their homes because that is what this fucking clown-ass state deserves.
With insurance our housing market can pace with the rest of the nation. Without insurance we are one or two hurricane seasons away from the housing market here collapsing like an insert any element of our crumbling infrastructure here.
That’s what I was saying. I literally have citizens but I’m being “depopulated” and my policy is transferring to a new formed insurance company (loggerhead something) with $400+ annual increase. Everyone in Florida is fucked. But it’s also not just homeowners insurance its auto too. The big companies do both and almost all of them left.
LOL it's fucking wild, too. Anything to not let Citizen's become a proper state insurer. I hate it for you but also would be hilarious when that new company goes under after a bad hurricane and fucks everyone.
Imagine a single small hurricane hitting Florida, no insurance, no undocumented labor to exploit.
U N I N S U R A B L E
Jackson Hole
Jackson Pit
