One of the factors in hurricane insurance rates in Florida is the local grade given building code departments under ISO's Building Code Effectiveness Grading Schedule. Florida was one of the first states to see development of this program by ISO.

The Building Code Effectiveness Grading Schedule (BCEGS) assesses the building codes in effect in a particular community and how the community enforces its building codes, with special emphasis on mitigation of losses from natural hazards.

See this special report from the ISO Interet site:
ISO Building Code Enforcement Grading Program