I'm from Florida - born and raised. I've never once heard anyone call any hurricane "the end of Florida as we know it". What I have heard, and seen, is extreme damages caused to homes and cars even hundreds of miles away from the eye of the storm.
In 2022, Hurricane Ian caused extreme flooding in the Orlando-region, including in areas that have never suffered from hurricane flooding before. For me personally, all 3 cars parked at my house were total losses b/c of the flood damage.
The extreme and extensive damages in the Appalachian region last fall is another great example of hurricane risk not being "grossly exaggerated".
That's not at all how insurance companies price risk.
Unknown risk is more risk, and more risk is more expensive.
Therefore, unknown hurricane data is more risky and thus more expensive.
If you know your car's engine is going to need replaced after exactly 100,000 miles, you know to save up for a new engine or a new car - and you know how long you have to save, so you can precisely set aside an appropriate figure every month.
If you know your car's engine will die sometime within the next 15,000 miles, you know you need to start saving up immediately, but b/c you don't know when in the next 15,000 miles you have to rush your saving.
If you have no idea when your car's engine is going to die, you are likely to end up dead engine and little to no savings.
I'm not southern either, I'm from Central Florida [0] and we use Y'all often. I believe in your ability to use Y'all too! Embrace Y'all :)
[0] There's a joke in Florida that the further north you go, the more south you are. The further south you go, the more north you are. It's 100% true too.
Believe it or not there was a real reason for bigger phones. They realized that most people still couldn't single handle the standard size smartphone, so if the majority of the population was going to have to use two hands the phone makers may as well jack the size up as much as possible to take advantage of the larger battery size and additional features.
>> Shazam is the closest thing we have to witchcraft.
I've never used Shazam, but I used a similar feature on my LG Chocolate back in the day. How is Shazam any different than what my LG Chocolate did (aside from the Spotify integration)?