From Risk & Insurance:

“Hurricane Ian exposed the danger of Florida homes not being insured for flood risk. There are 7.3 million single-family homes in the state, but only 1.6 million have flood insurance from the NFIP,” said Jerry Theodorou, director of the finance, insurance and trade program at R Street Institute.

Ian demonstrated that exposure to loss from flooding is not limited to coastal properties. Inland flooding from violent, torrential downpours can be as catastrophic as coastal flooding and surge. Ian may be the wake-up call to stimulate more take-up of flood insurance.”