Phase fluctuations of the superconducting order parameter play a larger rol
e in the cuprates than in conventional BCS superconductors because of the l
ow superfluid density rho(s) of a doped insulator. In this paper, we analyz
e an XY model of classical phase fluctuations in the high temperature super
conductors using a low temperature expansion and Monte Carlo simulations. I
n agreement with experiment, the value of rho(s) at temperature T = 0 is a
quite robust predictor of T-c, and the evolution of rho(s) with T, includin
g its T-linear behavior at low temperature, is insensitive to microscopic d
etails.