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More than one-third of Florida properties face looming flood risk, but some residents are unaware

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More than one-third of Florida properties face looming flood risk, but some residents are unaware


A combination of factors including stronger storms fueled by climate change, a strained insurance industry and ineffective state regulations has placed millions of low-income Florida residents at risk of a major insurance coverage gap.

The crisis in Florida’s insurance industry has escalated with the shutdown of seven companies since February last year, leaving countless individuals vulnerable to the devastating impacts of flooding. 

The urgency to address this issue is underscored by the fact that more than one-third of Florida properties are at risk of severe flooding over the next 30 years. 

Many, however, are unaware of the risks their homes are facing.  

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Hurricane Ian, which struck last September as a catastrophic Category 4 storm, resulted in over 150 deaths and caused damage exceeding $100 billion, making it the costliest storm in the state’s history.  

Many residents, like 56-year-old Diana Mercado from Fort Myers, are still struggling to rebuild. She claims she wasn’t informed by real estate or insurance agents that her property was in a FEMA flood zone. In those zones, residents are federally required to have flood insurance. 

“If they told me you need to have it, I would have gotten it. But I didn’t know,” Mercado said.

When Hurricane Ian hit, Mercado evacuated and expected to return home to find just her front trees damaged. Instead, her home of 26 years was devastated, leaving it resembling a construction site. Waist-deep floodwaters destroyed everything in their path. 

Despite having home insurance, Mercado didn’t have flood insurance and quickly realized she couldn’t afford the out-of-pocket costs of repairs, which were estimated between $50,000 and $70,000. 

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Dr. Rick Knabb, former director of the National Hurricane Center, emphasized that even a few inches of water can cause significant damage. 

“It only takes a couple of inches of water in your home to cause tens of thousands of dollars in damage. Just think what it does to the carpet. If it gets up to the level of the electrical outlets, what that does to your electrical system,” Knabb said.  

Florida is one of 21 states with no requirements to disclose flood risks to home buyers, according to the Natural Resources Defense Council, a nonprofit organization. Sellers do not have to say whether the property is in a flood zone, if they are required to have flood insurance, or if the home has flooded before. 

Lower-income residents, who are disproportionately affected by this lack of information, often find it challenging to afford flood insurance, especially as premiums continue to rise.  

In Florida, the average cost of flood insurance is nearly $1,000 per year and is projected to increase due to recent changes in the way premiums are calculated by the Federal Emergency Management Agency. 

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Rob Moore, a senior policy analyst for the Natural Resources Defense Council, said the impact of flooding is most felt among lower-income individuals. 

“In many of the major cities in the U.S., those redlined areas are the most flood-prone areas of those cities. So, due to no fault of their own, we’ve kind of channeled Black people and lower-income people into areas that are fairly high-risk,” Moore said.  

Florida lawmakers are considering changes to the state’s laws that would require sellers to disclose flooding, aiming to ensure that homebuyers have access to critical information about flood risks when making purchasing decisions. 

Additionally, FEMA’s own flood maps, which play a vital role in determining flood zones, are outdated. The agency acknowledges that climate change has made the maps less accurate and is actively working on updating them. 

For residents like Mercado, the journey to rebuild after Hurricane Ian has been long. The slow rebuilding process has relied heavily on do-it-yourself efforts and online tutorials. She stores salvageable belongings in her daughter’s garage, who she has relied on through this tough time. 

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“I cannot say that I’m homeless, but I think it feels like, ‘Okay, you’re homeless.’ I have her. She’s been great with me,” Mercado said. 



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SpaceX readies for next Starlink launch from Florida coast. Here’s when

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SpaceX readies for next Starlink launch from Florida coast. Here’s when


BREVARD COUNTY, Fla. – SpaceX is readying for its next Starlink mission launch from Florida’s Space Coast on Friday morning.

In a release, the company announced that a Falcon 9 rocket will carry 21 more Starlink satellites into orbit from the Cape Canaveral Space Force Station.

SpaceX officials said that liftoff is targeting 11:21 a.m., though backup opportunities will run until 2:15 p.m.

More opportunities will also be available on Saturday starting at 10 a.m. if needed.

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The 45th Weather Squadron forecast shows that the chance of weather interfering with Friday’s launch attempt is less than 5%. However, that risk rises to 20% if pushed to this weekend.

Regardless, SpaceX reports that this is set to be the 25th flight for the first-stage booster used in this mission, which has previously been used to launch CRS-22, CRS-25, Crew-3, Crew-4, TelkomSat-113BT, Turksat-5B, Koreasat-6A, Eutelsat HOTBIRD-F2, Galileo L13, mPOWER-A, PSN MFS, and 13 other Starlink missions.

News 6 will stream the launch live at the top of this story when it happens.

Copyright 2025 by WKMG ClickOrlando – All rights reserved.

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Lawsuit seeks to push DeSantis to call special elections for Florida Legislature seats

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Lawsuit seeks to push DeSantis to call special elections for Florida Legislature seats


TALLAHASSEE, Fla. – Accusing Gov. Ron DeSantis of violating “his mandatory statutory duty,” the American Civil Liberties Union on Thursday filed a lawsuit asking a judge to order DeSantis to set special elections for two legislative seats that opened as part of a political shakeup after President-elect Donald Trump’s win in November.

Former Rep. Joel Rudman, R-Navarre, stepped down from the state House District 3 seat last week, and state Sen. Randy Fine, R-Brevard County, will exit his Senate District 19 seat on March 31 as they run in special elections for congressional seats.

The lawsuit filed in Leon County circuit court Thursday argued that DeSantis not setting special elections for the legislative seats will leave voters in Rudman’s district without representation “for the entirety of the 2025 session” and voters in Fine’s district without representation for about half of the 60-day legislative session, which begins March 4.

Voters “have a clear legal right to have the governor fix the date of a special election for each vacancy,” and the governor “has a clear legal duty to fix the dates of the special elections,” attorneys for the American Civil Liberties Union Foundation of Florida wrote in the lawsuit.

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Plaintiffs in the case are Christina Forrest, a voter in House District 3, and Janet Laimont, a voter in Senate District 19.

“When a vacancy arises in legislative office, the people have the right to fill that vacancy in a special election,” the lawsuit said, pointing to a Florida law. “The reason is obvious: No Floridian should be deprived of representation because of the death, resignation, or removal of their representatives. But left to his own devices, the governor would deprive the residents of SD 19 and HD 3 of their constitutionally protected voice in the Capitol.”

The lawsuit said DeSantis “clear legal duty is ministerial and nondiscretionary in nature.” It seeks what is known as a “writ of mandamus” ordering DeSantis to set the special election dates.

“Each resident of the state has the right to be represented by one senator and one representative. These legislators are their voice in the halls of the Capitol,” the ACLU lawyers wrote. “The vacancies in these districts arose over 40 days ago. No other governor in living memory has waited this long to schedule a special election.”

Mark Ard, a spokesman for the Florida Department of State, said in an email that the agency “continues to work with the supervisors of elections to identify suitable dates for special elections” in the legislative districts.

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“The election dates will be announced soon,” Ard wrote.

Fine and Rudman announced their plans to run for Congress in late November, as Trump began to fill out his administration.

Rudman is seeking to replace former U.S. Rep. Matt Gaetz, who resigned in Congressional District 1 after being tapped by Trump to serve as U.S. attorney general. Gaetz later withdrew his name from consideration for attorney general amid intense scrutiny related to a congressional ethics report.

Fine is running to replace U.S. Rep. Mike Waltz, who will serve as Trump’s national security adviser. Waltz will step down in Congressional District 6 on Jan. 20, the day Trump is sworn into office.

DeSantis quickly ordered special elections to fill the vacancies created by Gaetz and Waltz, the lawsuit noted. Special primary elections for the congressional seats will be held on Jan. 28, and special general elections will take place on April 1.

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Rudman’s former state House district is made up of parts of Okaloosa and Santa Rosa counties, while Fine’s Senate district consists of part of Brevard County. DeSantis’ delay in setting special election dates in the districts also has drawn attention because they are in areas dominated by Republicans.

Previous governors’ “routine practice” was to “quickly call a special election for the resigning legislator’s seat and hold it concurrently with the special election for the higher office,” the lawsuit said, referring to the congressional seats as being the higher office.

In the two decades before DeSantis took office, 15 legislative vacancies occurred because a state lawmaker resigned to run for another office, according to the lawsuit. DeSantis’ predecessors set special elections to fill the resigning legislators’ seats on the same dates as the elections in which the legislators resigned to run, or earlier.

“But lately, Governor DeSantis has more often chosen to deviate from Florida’s longstanding practice of timely special elections, in violation of his mandatory statutory duty,” the lawsuit said.

As an example, the ACLU lawyers pointed to DeSantis’ drawn-out response to the 2021 death of U.S. Rep. Alcee Hastings, a Broward County Democrat.

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DeSantis “failed to call a special election for 30 days — longer than any Florida governor had ever taken to call a special election in at least the prior 22 years, and possibly ever in the history of the state” to fill Hastings’ seat, the lawsuit argued.

DeSantis ultimately ordered a special election to fill Hastings’ seat — more than nine months after the congressman died.

DeSantis in 2021 also waited more than 90 days to order special elections to fill three seats vacated by legislators who sought to replace Hastings.

“The governor did not call special elections until he was forced to — after residents of the districts petitioned this court for mandamus relief,” Thursday’s lawsuit said. “Following months of inaction, the governor called elections within days of this court ordering him to show cause why the writ should not issue.”

In 2023, DeSantis waited 38 days to set a special election for a legislative vacancy.

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“Yet again, the governor did not call the election until he was forced to — after this court ordered the governor to show cause why mandamus should not issue in a lawsuit brought by a district resident,” the ACLU’s lawyers wrote.

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Forward Depth Powering Panthers

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Forward Depth Powering Panthers


Jesper Boqvist’s two goal game led the Florida Panthers to a 4-1 victory over the Utah Hockey Club. The win kept the team within four points of the Atlantic Division lead and it also put Boqvist one goal behind his career best at just the halfway point of the 2024-2025 campaign.

Boqvist’s performance continues a trend for the Panthers. Over the past few seasons, they’ve gotten the absolute most out of their depth forwards, with many of them posting their best offensive seasons while playing in Florida. In Boqvist’s first season with the Panthers, he’s the latest in the long line of bottom-six forwards powering the team to another playoff run.

Last year, it was center Kevin Stenlund. The fourth-line center plays a gritty and feisty game, but he found a scoring touch with the Cats during their Stanley Cup-winning campaign last year. Over 81 regular season games, he netted 11 goals and parlayed that into a new contract with the Utah Hockey Club.

Before that, it was Ryan Lomberg and Nick Cousins. During the 2022-2023 season, Lomberg reached new offensive heights and scored 12 goals in the regular season. Similarly, Cousins matched his best offensive campaign with nine goals and 27 points over 79 games.

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Now, it’s Boqvist’s turn to be the breakout depth forward. He has some competition, however. 22-year-old Mackenzie Samoskevich, the team’s 2021 first-round pick, is getting his first full-time gig with the NHL club and looks like a fit. He has seven goals and 12 points through the first 37 games and will likely be the second bottom-six forward to score 10+ goals for the Panthers this season.

Either way, the trend continues in Florida. Their star power at the top of the lineup is on par with the best in the league and receives the majority of the attention from opposing teams and media. Understandly so, but their depth is what continues to power them towards a repeat of their Stanley Cup championship.

Make sure you bookmark Breakaway On SI for the latest news, exclusive interviews, recruiting coverage, and more!



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