Nineteen named storms swirled all over the Atlantic in 2010 -- 12 of them big enough to become hurricanes -- but none seriously threatened Florida. Nevertheless, homeowners needn't think their good fortune will translate into windstorm insurance savings.

With the budget out of the way – and a little more than $200 million lighter – Gov. Charlie Crist can return his attention to oil in the Gulf of Mexico, an abortion bill he still awaits from the House and his U.S. Senate campaign – though some might say the first two things are directly connected to the last.