re: FL Citizens Insurance is tired of being the primary provider

Not necessarily, rates can be determined by using wind zones like flood maps determine flood insurance rates.

So the rates will not be uniform in all areas, it is just a mandate to provide insurance across the state not just in certain areas that maybe more desirable to create a larger pool of business.

One other initiative, that I am thinking of is maybe trying to find an investment vehicle for self insurance, whole life policy, or HSA type of account where some or all of a premium build up a cash value that way the excessive cost to consumer stays with the policy holder and can be used for claims that do not touch a hurricane deductible.