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Zac Taylor, Assistant Professor of Urban Development Management, Delft University of Technology

Home insurance and the unraveling of Florida communities

In fall 2024, Tampa and other Florida cities on the Gulf coast were hit by hurricanes Helene and Milton within 13 days of each other. Giorgio Viera/AFP via Getty Images

While visiting family in St. Petersburg, Florida, in November 2024, I found myself walking down a quiet residential street in Shore Acres, a low-lying, bayfront neighborhood not far from where I grew up.

Two months earlier, Hurricane Helene had sent several feet of water into homes here, even though the center of the storm had stayed far offshore. Just days after Helene, Milton made landfall nearby as a major hurricane, inflicting substantial wind damage.

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