This paper aims to evaluate the effect that a significant natural disaster has on the take-up rates of flood insurance in a state typically considered low risk for hurricanes and tropical storms. In reviewing empirical literature, we analyze factors that contribute to the change in market penetration. We combine policies and claims data from the Federal Emergency Management Agency (FEMA) with demographic data and precipitation data to evaluate the change in policies and coverage in counties affected by Hurricane Irma before and after the event using the Difference-in-Differences regression method. We find significant effects on policies and coverage in counties affected after Hurricane Irma relative to those not directly affected. We consider this compelling evidence of short-run impacts that extreme weather events can have on areas that do not routinely experience disastrous storms. Finally, we highlight avenues for further research involving other contributing factors and additional natural disasters.