evidence: Meanwhile, the regional and local insurers left to provide coverage are in bad shape. Just more than half of insurers based in Florida are on the state insurance regulator’s watch list due to their financial health. Six were forced to liquidate last year, another one earlier this year. And to try to stay solvent, the remaining insurers are charging rates nearly four times as high as the national average. Homeowners in the state pay private insurers about $6,000 a year, compared to a national average of $1,700. [...] In areas with high hurricane risks, such as the Atlantic coast in South Florida, the countywide averages for a Citizens’ policy range from $5,100 to $6,800. Still, in those counties it has a dominant share of the market: about 42% in Miami-Dade and 30% in Broward just to the north, along with 36% in Monroe County, which includes the Florida Keys. [...] Carletti said that while Florida’s recent legislation should help the market, it won’t be enough to roll back premiums, especially with the concerns about rising risk caused by climate change and more powerful hurricanes to come. There’s also the inflation driving up the cost to repair or rebuild homes, both from increased labor costs to higher prices for materials.