Every year, like the scariest of clockwork, those of us who live and work in Florida brace ourselves for yet another hurricane season—which is becoming more destructive and more intense each year.

And more costly. Last year alone, the Sunshine State experienced weather-related disaster damages that,  according to the National Oceanic and Atmostpheric Administration’s annual U.S. Climate assessment, ran up an astounding tab of some $116 billion. That’s the most expensive year for Florida ever, and our state comes in second only behind Texas in terms of the price tag of recuperating from such natural disasters.