Average Florida Special assessment after Hurricanes

How do you propose accounting for the Florida HOAs where the owners are being forced out for pennies on the dollar because the assessments exceed the value of their units?

There's no way to accurately calculate this. Not only does it depend on the type of damage received in all the recent hurricanes, but it also depends on how well the HOA or COA was managed before. Also, remember that SIRS and Milestone Inspections that were due on January 1 for condos. Even if you didn't have hurricane damage, your condo association may have had underfunded reserves discovered during SIRS that caused a special assessment.

We are in Southwest Florida and our HOA was able to absorb $500k in damages (got an insurance settlement for a tiny amount) because we had good reserves. Our three condo subassociations all had special assessments of a few hundred dollars, but they were all in the process of getting settlements from hurricane Irma, which was 2020 I think. Most of their special assessments went to landscaping and cleanup.

In our area, the special assessments run the gamut from a few hundred to several thousand to tens of thousands. Fort Myers Beach is still not recovered from Ian and most of the condos there had tens of thousands. On Sanibel, many of the condos were a complete loss and their special assessments were tens of thousands.