Litigation is not why rates increase. It’s more profiteering than being the victim of lawsuits. Fraud happens but you don’t punish the 95% bc of the 5% who cheat/lie. Root out the fraud, yes. Punish those doing the right thing, no.
FL, LA? Neither has “large parts built under…sea level.” The southern-most coast of LA has some below sea level esp due to damage, & it’s a myth that New Orleans is “all” below sea level. Parts, yes. All, no. MS, AL, east coast get damage, too. Is all that below sea level?
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