TALLAHASSEE, Fla. (AP) — It’s been nearly eight years since Hurricane Wilma raked the southern end of Florida and caused billions in damages, the last of eight hurricanes to hit the state in 2004 and 2005.

Yet even as the state has been spared from additional hurricanes since that time Florida’s fragile property insurance market has resulted in nearly year after year of steadily rising insurance rates for homeowners.