The insurance situation combined with high construction costs will begin the process of climate migration from Florida (and other states). There's already a category known as
halfbacks - people from the northern part of the country that moved to Florida, became disenchanted, and then moved half-way back to states like North Carolina.
I expect New England and mid-western states such as Minnesota and Wisconsin will be seen as desirable locations for those who no longer think that Florida and the desert southwest are sensible places to live.