The reason people are not flocking to FL; insurance rates on homes & businesses! The FL legislature capped the rates that insurance companies can charge (socialism). Good idea in theory, but to prevent hemorraging (sp?) a lot of insurance companies are not renewing and or not writing new policies to counter the now limited amount of revenue they have among higher or equal risk. Eventually the state subsidized 'citizens' insurace will have to cover it and that means taxes will eventually (in the event of another disaster and massive amounts of claims) head a lot higher down the road. A lot are probably reading the writing on the wall. As a Realtor on the side, I can say that prices are good for buyers right now. Low and you can pretty much controll the negotiations. I am going to bid MCO when I start SWA later this summer. Cheers!