Today not only marks the end of another quiet hurricane season but remarkably the ninth straight year Mother Nature has spared Florida, one of the most catastrophe-prone places on Earth. On several levels, news regarding our often-tumultuous property-insurance market is outwardly positive: Citizens Property Insurance Corp., the state’s insurer, has shrunk to just over 930,000 policies, reducing the threat of post-hurricane taxes on Florida’s families and businesses. The state’s provider of insurance for insurance companies, the Hurricane Catastrophe Fund, has built up cash and lowered its exposure, making it more likely to be able to cover losses from a megastorm.