Too Expensive to Stay Home
What is Suzanna Pavelle’s position on affordability? Suzanna believes families in Flagler County and part of St. Johns County should be able to afford to stay in the communities they helped build. She is focused on the costs that hit closest to home: homeowners insurance, utility bills, and the ways bad growth decisions drive up household costs.
For too many people in District 19, the basics feel less secure every year. People are working hard, but insurance premiums, monthly bills, and infrastructure strain keep making it harder to stay rooted where they live.
Suzanna will fight to:
- Make lowering homeowners insurance costs a top priority
- Support practical flood-protection and resilience measures
- Require growth to pay its fair share instead of burdening current residents
Why affordability is the front door issue
In Northeast Florida, affordability is about more than groceries or gas. It is about whether working families, retirees, and first-time homeowners can stay in their homes and plan for the future with confidence.
Homeowners insurance is one of the clearest signs that the system is not working for regular people. Utility and water bills add another layer of stress. When flooding gets worse, infrastructure falls behind, and growth does not pay its own way, families end up covering the costs.
What this looks like in District 19
- Palm Coast publishes a sample residential utility bill totaling $153.18, including water, sewer, garbage, stormwater, and irrigation charges.
- Palm Coast says water and sewer rates increased by 8 percent in April 2025 and another 8 percent in October 2025.
- Florida had the highest average homeowners insurance premium in the nation in 2022 at $2,677, compared with a national average of $1,569.
- In St. Augustine, flood-insurance discounts improved for many city policyholders after the city’s NFIP class rating improved, showing that risk reduction and public policy can affect what households pay.
What Suzanna Will Fight For
1. Lower homeowners insurance costs
Suzanna will make lowering homeowners insurance costs a top state priority because people should not be priced out of their homes by an insurance system that feels more unstable every year.
2. Support flood protection and resilience that help reduce bills
Reducing flood risk is not just an environmental issue. It is an affordability issue. Suzanna supports practical flood-mitigation and storm-hardening work that protects homes, neighborhoods, and property values before families pay for repeated damage.
3. Make growth pay its own way
When growth is poorly planned, current residents get stuck with the bill through higher taxes, utility strain, and infrastructure costs. Suzanna will fight to make sure new growth pays for the roads, drainage, water, and wastewater capacity it demands.
4. Focus on monthly utility and household costs
Families deserve leadership that pays attention to the bills people actually live with. Suzanna supports practical steps that improve reliability, reduce waste, and keep more money in household budgets.
5. Keep affordability policy grounded in everyday life
Affordability policy should be judged by one standard: does it make life easier for working families, seniors, and small-business owners in District 19?
Suzanna’s Commitments
- Make lowering homeowners insurance costs a top priority
- Support practical flood-protection and resilience measures
- Require growth to pay its fair share instead of burdening current residents
- Focus on utility, water, and household costs that families feel every month
A District Families Can Afford to Call Home
People in this district work hard. They should be able to afford to stay here, raise a family here, retire here, and build a future here.
Suzanna is running to lower the costs that push people out, connect affordability to responsible growth, and fight for a District 19 where families can keep calling this community home.
