Tons? https://www.sun-sentinel.com/business/fl-bz-hurricane-season... >“In Orlando if a house predates 2010 and is worth less than $300,000, no company is going to write [insurance for] you,” warned Locke Burt, CEO of Security First Insurance Co. in a June 2020 Sun Sentinel article.

https://www.forbes.com/advisor/homeowners-insurance/why-is-h... Residents there that cannot afford the insurance that exists might as well mean that it doesn't exist the same way life saving surgery cannot be purchased by a person makes it nonexistant.