The Fanchers’ predicament is just one of many linked to the insurance crisis in hurricane-prone Florida. Rates are sky-high and expected to continue rising as catastrophe claims surge and Floridians face few insurance options and increased scrutiny during underwriting.

The storm remains disorganized on Wednesday but still has time to strengthen over the Gulf before making landfall on Thursday.

Hurricane risk by state. ... Per usual, the highest risk is in Florida, which faces a 90% chance of being impacted by a tropical storm and a 62% chance of being impacted by a hurricane.

Heavy rains in Florida could lead to flash floods. The National Hurricane Center has labeled an area over northern Florida, which extends through the northwestern Gulf, with a 20% chance of tropical development through the next seven days.

Florida's power grid faces increasing risks from hurricanes, cyberattacks, and supply chain disruptions. Investing in grid infrastructure is crucial to prevent costly and frequent power outages.