Seems like they might already be paying higher amounts:

https://www.thesimpledollar.com/home-insurance-home-location/

Not sure if those in hurricane zones must carry flood insurance?

Statistics/probabilities define rates.  We all shoulder the burden for each other.  If we didn't, and if your own personal insurance had to cover for you, "insurance" would never work.  They have to spread the load.

I'm more interested in the building codes.  After Andrew they tightened the codes, but what I read didn't seem like enough.  'Course I don't have all of the numbers to say what building safety factor is financially feasible.