I can't answer the insurance question, but it would be nice if we do get some swell out of this before the summer flat doldrum season.

The political question of homeowner insurance is a mess. Legislature was busy with other business. Unfortunately, insurance company payments for storm damage have been rising fast, even in the absence of a really big storm. There's a secondary mess with the big storm that will eventually cause extensive flooding in the Tampa Bay area (my childhood house was in a bad flood area. Water crept across the front yard with just a tropical depression). Lots of people need flood insurance but don't have it. This is more a discussion for the politics forum. We seem to have increased risk of fast-intensifying storms, meaning not much time for prep and having to treat minor storms as if they'll blow up. There's also been some discussion of dropping or de-emphasizing the Saffir-Simpson wind index in favor of pressure. Barometric pressure is an excellent predictor of damage potential. There's also the issue of predicting storm surges, which seems to have gotten more sophisticated recently. Jacksonville is in the odd position of being at low risk of direct hit by hurricanes, but in the rare event of exactly the right storm striking (Hugo, which walloped Charleston SC aimed at JAX before turning northward), NE Florida could have huge storm surges due to the shallow continental shelf.

Seas will be 2 to 3 ft this weekend before seas
build to 5 ft in the offshore waters on Monday, and up to 6 ft on
Tuesday.