Tampa is a hot commodity area. you're not going to legally restrict the market from people wanting to live there on their own free will. this is impossible whether the state is red or blue. you know right when you buy your house that its fukked potentially. insurance tells you, HOA tell you.
some of yall seem to think the rest of America is immune to natural disasters. same shyt happens in Cali with wildfires, same shyt happens up North ocassionally whether its snow or hurricanes like Sandy. you assume all risk when you move somewhere. insurance is supposed to suggest to you.. floridians don't give af. yes Florida has some red state issues they gotta work on, but human responsibility has to come into play as well. most floridians do not want to pay higher taxes, they go for the tax benefits in fact. its all cause and effect