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Odds are if they rebuild yet again in the same place they won't be able to get insurance. Or if they can, it'll cost more than their mortgage payments.
Insurance rates in Florida are already beyond what most people can afford. They've risen like 10x over the last decade. Most insurance companies aren't even doing business in the state anymore.
That's what I try to point out to climate change deniers. Insurance companies live or die based on risk, so they have to be extraordinarily hard-nosed realists about it. They literally can't afford to pretend the climate isn't changing.
It's also a huge waste of federal resources paying to help rebuild in these places which are no longer habitable.
From the article, it sounds like the first couple mentioned in the article already weren't able to get insurance this time.