the property insurance market in florida 2004 difference a decade makes office of regulation march 2005 historical hurricane tracks 1850 2000 table contents executive summary iii overview 5 hurricanes 8 history 9 science current predictions 11 demographics 12 population growth 13 15 single family housing 16 mobile homes 17 recent 20 demographic 21 lessons from andrew 22 private 24 competition 25 rates and premiums 28 capacity 35 managing 36 moving forward 39 appendix 1 45 2 48 3 59 4 74 ii with charley frances jeanne making direct landfall fourth ivan causing major destruction western panhandle season has been most significant reminder s unique since 1992 learned resulting modifications mechanisms were tested this encouraging results unlike after not left behind collapse claims are being paid to date only one insurer become insolvent although others have needed recapitalization owners still generally
