The development moving families this week is not the weather; it is the bill. Coastal Florida now carries a homeowner-insurance premium near three times the national average, and where a household can still afford to insure a home is being redrawn inland. North Central Florida covers a $300K house for well under a fifth of the coastal cost, so the same paycheck buys a drier, insurable address. That single line, not the listing price, increasingly decides where a Florida family lands, and it keeps pointing at the higher middle.