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Ok Boomer. This fuck you I got mine attitude is one of the major problems we face in this country. The notion that everyone can just chose where they live is naive at best and your privilege is showing if you actually believe it. The nightmare political situation we are seeing is largely due to older generations who live by exactly your way of thinking and selfish actions. Nothing will improve until you people are extinct.
Insurance can only work as long as input and output is balanced. It is a (sad) fact that hurricanes get worse, and the risk and cost of damage in Florida is going to rise. They could probably offer home insurance in Florida, but the premiums would be so high that people would not buy it anyway.
The question will not be "Can you afford to move out of Florida?", but "Can you afford to stay in Florida?".