You didn’t fix anything, you just buried your head in the sand. Hurricanes are stronger due to rising temp levels in the ocean which creates more storm surge. It wasn’t a problem to insure these homes 50 years ago. Or even 30 years ago. But we’ve had the misfortune of having sociopaths like Rick Scott calling the shots. He banned any state employees from using the term climate change. The state had voted to purchase land back from sugar producers to help with storm surges (the Everglades are a natural defense mechanism), but Rick Scott let that agreement expire without using the funds to buy back the land.
Continuing to expand into the Everglades is a real problem, so I will agree with you there. We intentionally bought our home in an area with the lowest flood risk, but others won’t be so lucky now that water has fewer places to go.
1) There is, at best, scant scientific evidence that storms are stronger (or are strengthening faster--which is primarily what the alarmists are shifting toward saying)
2) Empirically, there are most certainly fewer storms over the last several decades
3) Some of the strongest storms on record occurred in the pre-industrial era
4) The seas have not appreciably risen and are not likely to anytime soon.
5) Sea temps do not (directly) cause storm surge; wind does...but warm waters do strengthen storms (edit: I brought this up to add that I don't believe gulf and equatorial temperatures are among the places they are seeing even the nominal supposed temperature increases)
6) The most violent storms on Earth occur in the coldest regions
7) I could go on...
Some other things to consider, the Earth is actually spinning faster. The Earth recently just experienced its shortest day on record. When you consider the very reason that hurricanes form in the first place (a byproduct of the Earth's rotation--i.e. the Coriolis force) maybe we should be trying to come up with ways to slow the Earth down to lessen the intensity of storms? It's as foolish as thinking we can control the climate by regulating our CO2 emissions (especially once one considers the relationship between C02 and global temps is logarithmic--not exponential or even linear. That is to say, for every doubling of the of the level of C02, Earth temps increase by a fixed amount...about 1-degree Celsius, I believe. If its 350 PPM now, it would have to double to 700 PPM to net another 1-degree increase. Worse still, from a CO2 reduction standpoint, cutting global C02 in half--down to 150 PPM (an impossible feat) only nets us 1-degree reduction in global average temp.
These storms--which have always existed--are wrecking more havoc because of ever-increasing desire to live on the coast. This insatiable demand for coastal living fuels more and more development of these otherwise unsuitable lands. And sure, your governor(s) are to blame...but they all are...going back many decades...and they were just doing what the people elected them to do.
And no...my head is not in the sand. Seems to me those who live on the coast and attempt to defy nature are the ones who have their heads in the sand.