Ft. Myers has been hit a few times, but you're right - it's not constant. But Florida in general gets hit pretty hard every year - it's just that it happens to different parts of Florida. The Keys get battered every few years, so does Miami, so does Tampa. Even Orlando is not safe.

However, Ft Myers is different from NYC in that sea level rises affect South Florida a hell of a lot more than Manhattan. A 10 foot sea level rise would only affect a small (but definitely not insignificant) part of Manhattan. That same rise would render all of Florida's coastlines (on both sides) uninhabitable. See link below:

https://coast.noaa.gov/slr/

NYC doesn't get hit anywhere close to as often as Florida's coasts do. It's not even comparable.

The insurers are leaving Florida in droves because their risk assessment teams understand that sea level rises and climate change is a significant financial risk to their operations in Florida, no matter how much Governor DeSantis wants to pretend otherwise.

It makes zero sense to insure areas that are going to be uninhabitable in our lifetimes, much less spend billions rebuilding them time and time again.

Disclaimer: I live in South Florida.