evidence: Florida is a notoriously tough market for homeowners insurance due to the state’s risk level. The Sunshine State’s long coastline and narrow shape mean that much of the state is at risk for hurricane damage, wind damage and flooding. Sinkholes are also a danger to Florida homes. [...] Oklahoma is the most expensive state in the country for homeowners insurance according to rates from Quadrant Information Services, with an average annual premium of $3,659 for $250,000 in dwelling coverage, over 150 percent more than the national average. Tornadoes and strong winds are common in the state, as is seismic activity in certain areas. Eastern Oklahoma is also at risk for widespread flooding. [...] Dwelling coverage $300,000Other structures coverage $30,000Personal property coverage $150,000Loss of use coverage $60,000Liability coverage $500,000Medical payment coverage $1,000The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.