Florida’s insurance market looks calmer. But stability is not the same as safety.

Rates have slowed. Availability has improved. Capital has cautiously returned. After years of crisis headlines, Florida’s property insurance market appears to have found its footing.

But beneath the calm, risk continues to accumulate.

In The Florida Resilience Doctrine, former legislator and insurance policy expert Don D. Brown explains why today’s stability may be hiding tomorrow’s crisis — and why Florida’s greatest insurance threat is not storms, but the structure of growth, concentration, and capital itself.

This book introduces a powerful new framework for understanding insurance markets: the Risk Concentration Index (RCI), a tool designed to measure how fragile a system becomes when exposure grows faster than mitigation, diversification, and capital can adapt. The RCI does not predict hurricanes. It measures whether insurance can survive them.

Drawing on decades of experience in insurance, reinsurance, and public policy, Brown shows how Florida has entered a dangerous phase where insurability degrades quietly, long before collapse becomes visible. He explains why insurance markets fail through stress regions rather than cliffs, why calm is the most deceptive moment in policy, and why delay always makes reform more expensive.

But this is not a book of warnings without solutions.

The Florida Resilience Doctrine lays out a comprehensive, integrated reform framework built around six pillars: growth risk management, stronger building standards, residual market reform, pre-event catastrophe funding, managed retreat from unsustainable exposure, and explicit equity protections for vulnerable households. Together, these reforms offer a path to affordability, availability, and solvency in a state that continues to grow.

This book is written for policymakers, insurance professionals, journalists, and citizens who want to understand not just what is happening — but why it is happening, and what still can be done while time remains.

Florida still has a choice.

This book explains it.