Florida’s most destructive storm isn’t brewing in the Atlantic—it’s hidden in the state’s broken insurance market. The Next Paradigm: Florida’s Unseen Insurance Crisis reveals why soaring premiums, collapsing insurers, and runaway Citizens growth are symptoms of a deeper catastrophe: explosive population growth in hurricane bullseyes. Drawing on insider legislative experience and original actuarial models, Don D. Brown exposes how political deals and subsidized risk have driven the system toward collapse. With Florida adding 550 new coastal residents every day, $180 million in daily exposure, and a Risk Concentration Index on track to exceed instability thresholds by 2030, the math is clear: the current system cannot hold. Blending history, policy, and case studies from Andrew to Ian, Brown shows why reforms have failed and what must be done—now—to avert economic disaster.