In September 2022, Heather and her husband were visiting friends in Portugal when Hurricane Ian began to close in on their hometown of St. Petersburg, Florida. Though the storm ended up making landfall farther south, the close call was a tipping point. Governor Ron DeSantis’s failure to prioritize them had been laid bare — he hadn’t sufficiently addressed the home-insurance crisis, which had been exacerbated by frequent natural disasters. It was the last in a...