I live around at around a 150ft elevation above the ocean, but technically within < 1 mile away from it. Despite zero risk of flodding, half of the bigger insurers in my area have exited the market, and we are now having to insure with higher risk insurers like Kingston, who's ratings are yet to be tested during a real emergency.

My car insurance is above $4k/yr for two family cars, rising annually despite no accidents.

Meanwhile, "normal" countries are solving these problems in reasonable ways. Back home in Central Europe, you get state mandated car insurance at pre-negotiated rates that are based on the car, not the driver.

US insurance is a scam.