Florida's property insurance crisis stems from a dangerous mathematical reality: 8.1 million people living in hurricane zones with $3.2 trillion in property value that cannot be sustainably insured at politically acceptable rates.

Former Florida legislator Don D. Brown, one of only two representatives who voted against the catastrophic 2007 HB1A legislation, exposes how political subsidies and rate suppression have created a system approaching mathematical instability. Using his original Risk Concentration Index, Brown demonstrates that Florida will likely cross critical failure thresholds by approximately 2030 under current growth patterns.

The book reveals how Citizens Property Insurance operates with $420 billion in exposure but only $11.5 billion in resources, threatening every Florida policyholder with potentially devastating assessments.

Brown documents the powerful coalition—developers, retirees, municipalities, banks—that profits from current policies while socializing the costs onto future taxpayers.

Drawing from successful international examples in the Netherlands, Japan, and New Zealand, he provides specific solutions including managed retreat, development restrictions, and true risk-based pricing. The analysis shows how managed transformation over five years would cost approximately $50 billion compared to $1.2 trillion for unmanaged instability.

This is both an urgent warning and a practical roadmap for Florida's last clear chance to choose planned adaptation over chaotic crisis.