(1) Increase in Fraud - costs insurers money
(2) Easy to sue insurer (relatively unregulated insurance environment) - costs insurers money. A very regulated environment can also be costly (like Massachusetts or Rhode Island), however it's about whether or not regulation favors insurers. In Florida's case it doesn't.
(3) Costliest state to write home business in - costs insurers money. More costly than Texas's hail. The number and severity of hurricanes in Florida has been increasing over the past decade. If it wasn't for the California wildfires, Florida would easily take the top spot. The Insurance Institute has some good information here: https://www.iii.org/fact-stati...
RE your California home, that's likely because an earthquake rider is attached to your insurance policy. Flood insurance is a federally underwritten insurance policy so it wouldn't affect your insurer on that front.
