Earlier quoted context omitted.
Hurricane-driven floods wreck cars too. You don't suck for living in Florida, but actuarily speaking, your most expensive assets are at significant risk.
I get that and it's reasonable for that risk to be shared among people who are insured for repair/replacement. I don't think it's reasonable to put that risk burden on people who aren't opting into that coverage. Their vehicles don't carry that coverage, the insurance companies bear no risk. For people who don't get the benefit of coverage, why should they be penalized and have to pay for others that do?
I searched around a little and couldn't find anything about this. But from what you're saying, it sounds like your insurance company may have mispriced their risk and they're recouperating recent losses on your dime? Florida's politicians don't seem keen on regulations; I'm unsure how one should address the perceived unfairness in this situation.