It's an interesting theory. Short story... A little over 2 years ago we made a move from South FL back up to North Central FL. In the 7 years we lived there (S FL) our homeowners ins. quadrupled. Entering that home in 2015 our annual ins. rate was around $1300 per year. When we left and moved in 2022 it had jumped to $5000 per year! A few months before we moved, we received a notice stating our policy would be cancelled by the end of the year! Fast forward to the 2024 Hurricane season. The area and neighborhood we lived in to include the neighborhood next to ours was hit by an unusual and unprecedented Tornado outbreak. Kansas style, massive wedge tornados popped up and caused severe damage in those 2 neighborhoods. We could not believe it! Local weather men were astonished over it as well. Hurricane Milton was well North of those neighborhoods when they were hit. The rain bands brought the tornados which is typical of most hurricanes. We're used to that down here. But rarely with this kind of intensity. I've lived in FL my whole life (56yrs) and have never seen anything like it. FWIW