From the trailer parks in Davie to the stressed homeowners in middle-class neighborhoods, property and windstorm insurance is the No. 1 concern Katie Edwards hears.

Ms. Edwards, 31, says that state lawmakers have failed to address Citizens, to the detriment of South Floridians. Her solution: Increase competition through incentives and deregulation; discourage companies from dropping policies and shifting the burden to Citizens; and demand industry transparency of its storm modeling and finances.

Ms. Edwards is a business consultant who just completed law school. From 2002-2010, she was executive director of the Dade County Farm Bureau, experience that should serve her well in the Legislature, where she wants to serve on natural resources and water conservation committees.

She also wants to work on a bill to help nonviolent offenders have a better chance of going straight when they reenter society. Ms. Edwards says that too many of the “wrong” people are being imprisoned, rather than rehabilitated — at a high cost to taxpayers.

A Democrat, Ms. Edwards faces Republican opponent Cara Pavalock, a bankruptcy and foreclosure attorney who says she sees many people in distress. She wants to stop “dual tracking,” which, she says, continues the foreclosure process at the same time that homeowners are seeking a resolution. Ms. Pavalock, 36, is earnest. However, she should steep herself in the broader issues the district — and the state — face.

For District 98, The Herald recommends KATIE EDWARDS.