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Unfair rates

Not on the beach/island/water. Home value $229000.00. My deductible for damage from hurricane 2% of my home value; any other type of damage $1500.00. Why should there be a difference in my deductible. State Farm has gotten paid VERY well over the last 14 years that I haven't used one penny of my insurance. I've lived here 14 years; never filed a claim, never had any damage. Insurance rate $3700.00 a year. The damage in my area has all been inland in counties that were flooded. Why is my rate higher then there's? Why not determine cost by who's using the insurance (like car insurance)? If I haven't had to use my home owners insurance why am I paying more than those who use it every year?

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