Florida’s strategy for dealing with property insurance in a state at high risk of hurricanes is getting high praise from a flood insurance work group of the American Academy of Actuaries. The group’s recent report, "The National Flood Insurance Program: Challenges and Solutions," said Florida lawmakers had found the right recipe in creating the state’s insurer of last resort, the Citizens Property Insurance Corp., and taking other steps to stabilize the insurance market. Citizens covers consumers when private companies refuse to enter such a risky marketplace.