Hey -- all I'm saying is it is worth discussing, not just for Floridians, but for other states who have their own messes to clean up. Other Gulf states are feeling the insurance crunch. There are natural disasters everywhere. A national analysis of risk factors where you put everyone into the same pool and then offer actuarily sound rates based on risk factors -- that might be much more effective, and financially sensible, than the slapdash system we have now. And it wouldn't have to take all the business away from the insurance companies, just the riskiest portion perhaps.
"Stop" a lot of building in bad places? How many places in this state have not been already built out, largely irresponsibly? You're not going to be able to force people to tear down their 50s ranches on artificially created "islands", and the government is not going to be buying back such property, so it's worth discussing truly new and different ways to get people effective, affordable coverage. IMO.