An Inside Climate News analysis shows the state’s insurance crisis is hitting hardest in the disadvantaged counties of Florida’s agricultural heartland. Residents here, in large part, are bearing the burden themselves.By Amy GreenOKEECHOBEE, Fla.—If you want to get to know this hamlet sprinkled among ranchlands on the north side of Lake Okeechobee, one of the best people to talk to is its mayor, Dowling Watford.