Anthony DuBois | Climate Risk and the Rising Cost of Home Insurance in Florida

Anthony DuBois

Florida’s real estate market is being reshaped by more than just population growth and interest rate shifts. Anthony DuBois points out that climate risk has become a key driver of rising home insurance premiums throughout the state. From coastal condos to inland communities, insurance providers are recalibrating their models in response to environmental volatility.

Hurricanes and flooding events have led to record-high claims in recent years. As a result, insurers are tightening underwriting standards and charging higher premiums, especially for homes located in flood-prone or hurricane-exposed areas. Some major companies have even pulled out of Florida entirely, leaving homeowners with limited—and more expensive—options.

Beyond geography, insurers are paying close attention to how homes are built. Features like impact-resistant windows, proper elevation, and reinforced roofing can make a measurable difference in policy pricing. But even well-prepared homeowners are seeing double-digit increases, due in part to the rising cost of reinsurance and shifting risk models.

Anthony DuBois emphasizes that climate risk now directly impacts buying decisions and long-term affordability. Sellers need to be aware that insurance costs could influence buyer hesitation, while buyers must factor those costs into their total homeownership budget.

Ultimately, Anthony DuBois sees this trend as a new normal. Climate resilience and insurability are now foundational components of Florida real estate strategy.