Insurers aren't the problem. There are obviously the regular hurricanes. I say regular because we know that hurricanes hit Florida with regularity. This was long before anyone wanted to blame climate change. This including periods of mini ice ages. There are sunken Spanish vessels off the Florida coast. History's reminder of the treacherous sea.
The real problem is most people want to move to coastal areas. Those additional 16 million people in the last fifty years mostly live on the two coasts including some who live on Florida's outer islands.
A common mistake for people is that they think insurance companies are in business to protect people. The reality is they are business to make money. I know it's a cliche. However, the insurers need to take in money, invest it, pay out legitimate claims and at the end yield a consistent profit.
Between Florida's legislature allowing regulators and litigators to tie-up insurers and the regular storms, insurance companies are leaving or cutting back in the State. It's all on the internet. Even some of the Florida media are beginning to understand the layers to the problem. You can't force insurance companies to write policies. Many insurers in the State are not adding more policies to their book.
So if anyone wants to live in Florida, I suggest they move to Orlando, Tallahassee or Gainesville and drive to the coast when a beach day is their fancy.