If you live inland, Florida homeowners insurance companies will be able to offer you insurance that will still include hurricane insurance, but since it is unlikely that a hurricane will actually hit inland, the cost of your policy will be lower. However, in the event of a hurricane, you may get very high winds that can thrust a hundred year old oak tree into the roof of your home. On top of that, the rain will seep inside your home through the opening of the roof and the result of that will be mildew and mold.