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Frank Russo Proposes State-Backed Florida Hurricane Program to Halve Homeowners Insurance Costs

7/21/2026

The constraint running through Florida's property insurance market is catastrophic hurricane exposure.

Private reinsurers price that tail risk at a level retail carriers pass directly to policyholders, compressing the economic space that keeps basic dwelling coverage affordable.

Russo is now proposing to target that specific pressure point with a Florida Catastrophic Hurricane/Wind Protection Program he says would cut homeowners' insurance costs by up to 50 percent and provide up to $500,000 in basic dwelling coverage.

What the program is designed to do The proposal was announced July 21 from New Smyrna Beach, Florida.

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