I thought I'd point this out to you MMMs that may not be aware of this. I would bet that this can be had in any coastal state as well (e.g., Texas). $1,000 saved on my primary residence and $200 on my rental, each year (was $1,200/year on my former home).
I did this by installing approved hurricane shutters on all openings, and replacing the old garage doors. Then, for $85 I had a Uniform Mitigation Verification Inspection and submitted that to my insurance company to get the credits.
I installed the shutters on my rental myself years ago (18 years ago) and remember it costing about $1,700 at the time and the garage door was $1,000 in 2002. The door needed replacing anyway, so I consider the ROI in a little over 8 years.
My current home had the shutters installed already (that is one reason why I picked it, with the solar water on the roof another, and in a non-evacuation zone another) and an insulated garage door cost me about $1,300 (the old one would have fallen apart had it been hit by a toddler on a tricycle). So not only will I save in the long run, I have the peace of mind that after a hurricane or tropical storm my homes may still be there (with me in one since I do not plan to evacuate). ROI for me 1+ year.
BTW - you can do hurricane impact windows instead if you are replacing them already (and actually must use hurricane impact if you don't have shutters and are replacing more than 25% of your openings), but they are expensive. The advantage is they are in place and you don't have to put the shutters up (my current home uses accordian shutters that are up already - just have to pull them shut - but $$$). Also, you won't get anyone breaking a window to get in, as they are literally stronger than a cinder block wall.
So for those of you that are owner-occupied (bigger discount because you are paying more for the insurance in the first place I guess - I don't quite get the difference and have not dug into it) you might want to consider doing this. Check with your agent and see what the discount will be before you embark on it for cost savings alone. There are other discounts for new roofs and other cross bracing in the attic, etc.. You may also get dinged for having a really old roof, but the point is to find out what discounts are available for work that you plan on doing or might benefit from.
Peace of mind is good too. Back in 2004 we got hit by many storms (4 or 5 through our area - lost track) and I was putting the shutters up and down regularly (different home altogether). For one of the tropical storms I decided I was tired of doing that and didn't put the shutters up (they were plywood back then - I later switched to metal and they were much easier). That was scary when it came through (only 60 mph) and I watched the front windows bow in and out and me inside helpless to do anything to stop it at that point.
I did a rough outline/summary here so if I missed something or you have more detailed question, let me know. Some may have additional information on some of the mitigation programs out there. For example, a friend of mine went through the state and got most of his window protection payed for (he used a fabric protection that rolls up and is put in the garage when not needed).