Still thinking about how I learned this summer that Florida has its own *reinsurance* program which is pretty wild when you think about it since reinsurance typically exists across very large markets to spread risk (and it is the only state with its own reinsurance program). I shared this with a friend a while back and they were like, kind of like how Texas has its own electric grid https://floridapolicyproject.com/wp-content/uploads/2024/05/FINAL_Florida-Insurance-Market-Report.pdf
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