Picard120,
Where are you getting these statistics? $16K/mo for insurance? That's $192K/Yr! Maybe on multi-multi-million $ mansions. Even with rates nearly doubling, the rates for a $150K-$200K home would only be in the $1500-$2500/year range. And its those mansions, not storms, that cause the property tax to increase (by causing the property values to increase).