Effects of Hurricane Andrew in Florida
Strong winds from the hurricane significantly affected four counties in the state, which damaged or destroyed over 730,000 houses and buildings, while leaving more than 1 million without power. The storm surge impacted portions of Miami-Dade County, peaking at around 16.9 feet (5.2 m) just north of Homestead near the Burger King International Headquarters; the surge caused significant damage to boats and to the Charles Deering Estate. The nationwide maximum rainfall total from the hurricane was 13.98 inches (355 mm) in the western portion of Miami-Dade County. No major flooding was reported in the state. The hurricane caused about $25.3 billion (1992 USD) in damage and 44 deaths in the state—15 directly from the storm's effects and 29 indirectly related. Many other sources, however, estimated that Andrew caused more than $32 billion in damage in the state. Andrew was, at the time, the costliest hurricane in the history of the United States; it was surpassed in subsequent years by Hurricane Katrina in 2005, Hurricane Ike in 2008, Hurricane Sandy in 2012, and hurricanes Harvey, Irma, and Maria in 2017.
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.