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Or maybe just maybe it's really dumb for a company to insure a house that is going to burn down or flood every single year going forward...
¿Por que no los dos? (Why not both?)
DeSantis and Abbott have both said that they are changing their laws and allowing certain things to happen in order to push "certain people" out of their states, they absolutely seem to want to push as many poor, minorities, and overall left leaning people out of the state, as Senator Rick Scott of Florida (former governor of Florida) said:
https://twitter.com/ScottforFlorida/status/1673662921652551680?lang=en
https://www.orlandoweekly.com/news/florida-socialists-blast-florida-sen-rick-scotts-anti-socialist-travel-advisory-34258856
you're talking specifically from the insurance company's perspective.
the people running florida and likely others with wealth to influence them are aiming for more. the insurance leaving the state is part of that.
companies do not exist in a vacuum