This is pure speculation on my part. But after this is all over with, and insurance companies have paid out on claims they are contractually bound to. I'm guessing they are going to be through writing policies on homes in these hurricane prone areas. Especially in places that are going to be facing total destruction, like the Keys.
Insuring a home in the Keys, especially a high dollar one, (which most all of them are), is a bit like insuring a 22 year old drunk driver with 8 convictions, and 5 accidents. Why would they even bother? It's simply not worth the risk for them. Regardless of what they charge. Between Houston, Florida, and the Caribbean, they are going to be looking at close to, if not over $1 Trillion in total cost. And Florida homeowners policies are already over twice what the rest of the nation pays. Not to mention what this is going to do to the property values there. Even after it's cleaned up. As if the sinkhole issue wasn't bad enough.