I don't think it's the death toll that insurance companies are concerned about. Rather, it is the cost to rebuild homes and businesses that are damaged by torrential rains and hurricane force winds. The toll in the Yucatan is extremely high. We rarely get hit with hurricanes in the Florida pennensula. There have been litterally thousands of buildings built since any storm has hit except Andrew in South Florida. I'm not an insurance company apologist but I'm sure the toll of damage from a major storm will be in the billions of dollars even if the loss of life is not high. They will take advantage of any perceived risk to increase their premiums. On that you can bank.