Hurricanes pummeling the coast. Rushing waters flooding property inland. Such natural disasters often turn Florida into ground zero for risk management, including changes in insurance coverage and costs. A new undertaking by Florida State University’s Risk Management and Insurance Center – in partnership with the Florida Office of Insurance Regulation (OIR) and the Florida Surplus Lines Service Office (FSLSO) – aims to provide a rare, comprehensive look at all sides of the state’s insurance market.

Dr. William T. Hold asked hundreds of students to raise a hand if they'd ever been told that they could be anything they wanted to be. Up went the hands. "That's probably one of the biggest lies you've ever been told – maybe the biggest lie you've ever been told – because regardless of how much I want to be a brain surgeon, an astronaut or the next Tom Brady, that's not going to happen," Hold said. "But the important part is that you can own your potential."