This is not only about hurricanes. It's about hurricanes, tornadoes, forest fires, and the inreasing number of people seeking earthquake policies. We've been lucky in that we've dodged the mega hurricane here, but we've been equally lucky that the fires that broke out early last Summer were in remote areas. Another draught and a lightning strike in the wrong area could take out hundreds of homes in New Hanover County, nowhere near the beach. The bottom line is that insurance companies don't have enough cash on hand to pay off even a minimal percentage of that which they have covered. (Think of it as the largest under-funded pension in history) If you live near the coast, in the Western woods, in tornado ally, or in earthquake country (and have earthquake insurance) you are going to pay a lot more because you're most at risk. People everywhere are going to face increases, however. (BTW, I live quite a way inland and my home was almost destroyed by Fran. Don't think that hurricanes are a "beach only concern.")