A photo taken in the midst of Hurricane Irma shows trees and rain blowing near homes. Events such as Hurricane Irma, seen here flooding Las Olas Boulevard in Fort Lauderdale in 2017, have a major impact on insurance claims in Florida, and they're likely to become more frequent and intense as the ocean gets warmer. (Credit: Satoshi Kina/Adobe Stock)

South Florida's increasing flood and storm risks are pushing its insurance market to a breaking point, according to industry experts, who say what happens next will influence the decisions that real estate and business leaders make for years to come.

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