Can I have just medical payments and personal liability for house insurance in Miami?

If I were to pay off my mortgage, can I get rid of the dwelling / hurricane insurance and keep only medical/personal liability? Hurricane insurance is insanely expensive and I would rather take my chances that my house won’t break off over the next 15 years (when I plan to sell it and move away to a condo).

So if I can just have medical/liability that might bring my insurance costs down by a lot for significant yearly savings. Let’s say I save $20k a year, that invested over 15 years would return $600k assuming 10% returns (SPY), which even if I have hurricane damage I doubt I would have to pay more than that anyway, so I would in theory be better off “insuring myself” by investing this money.

Is my logic sound? Can I even do that in Miami?