Hurricane Andrew
Hurricane Andrew first inflicted structural damage as it moved through the Bahamas, especially in Cat Cays, lashing the islands with storm surge, hurricane-force winds, and tornadoes. About 800 houses were destroyed in the archipelago, and there was substantial damage to the transport, water, sanitation, agriculture, and fishing sectors. Andrew left four dead and $250 million in damage throughout the Bahamas. In parts of southern Florida, Andrew produced severe winds; a wind gust of 177 mph (282 km/h) was observed at a house in Perrine. The cities of Florida City, Homestead, and Cutler Ridge received the brunt of the storm. As many as 1.4 million people lost power at the height of the storm. In the Everglades, 70,000 acres (280 km) of trees were downed, while invasive Burmese pythons began inhabiting the region after a nearby facility housing them was destroyed. Rainfall in Florida was substantial, peaking at 13.98 inches (355 mm) in western Dade County. In Florida, Andrew killed 44 and left a record $25 billion in damage.
Citizens Property Insurance Corporation
There were four major storms in 2004 that made landfall in Florida, with total damages exceeding $57 billion. The following year brought five major storms, including Katrina, the most expensive Atlantic hurricane of all time. 
Once again, several companies pulled out of the Florida market due to an extraordinary number of hurricane and new sinkhole related claims. Citizens became not just the insurer of last resort, but the insurer of only resort for many Floridians. As of 2005, Florida owed almost $5 billion, which would be recovered through insurance policy assessments. 
The cost of insurance and its availability became an important "hot button" issue in Florida, especially in the 2006 elections.