If you live in a county that is considered a coastal county the insurance companies treat everyone in that county the same. Even when you are 25 miles from the coast.
which makes it even more ridiculous. I live in a coastal county, but thankfully only the first 1000' to tidal water is in the wind pool. I believe Hillsborough & Monroe may be entirely within the wind pool, there are probably more...
and my opinion with regard to beachfront homes is that by artificially reducing the true insurance cost, you actually encourage construction in high-hazard zones. But those are the only places people want to live (well, except Timbo), so I guess the state is trying to make oceanfront living "affordable"?
