In general, the older homes (60's 70's 80's vintage) near water and at lower elevations were flooded during Hurricane Ian.

You just have to do your due diligence and make sure of your property’s elevation.

Not an insurance issue, but for either one, if the damage is more than 50% of value, but Not a tear down rebuild, you may run into issues about bringing it to current code.....one of the things that can screw you is if the Current floor elevation requirement is higher than existing, you’re stuck if it’s a slab home since there is no way to raise it without tearing down and rebuilding.  

Your Insurance company would have to replace it for you depending on the severity of the damages.For hail most Insurance companies require only 8 hail hits in a 10x10 area on each Elevation and wind damage to a certain percent of the roof.

The combination of elevated rates(incl locked in low rate syndrome) + seasonality I think is going to make this Q4, top of Q1 really rough. 

I’m currently dealing with a rebuild of a waterfront house fire, FEMA ordered a tear down / elevate and insurance is only covering about 1/3! 

My next door neighbor built a 3 story 10K sq ft home with an elevator & wine cellar as an owner builder. 

Another good one - elevator operators.

Flood plain issues (building on elevated structure is common). 

Mine is a vacation home/STR but at 9800 feet elevation so speed is of the essence to get the shell weather tight before the short building window closes in the fall.