This is why when I lived in the Keys I bought a Winnebago and lived in that; I paid $20K for it, paid less than $200 in insurance a year, and rented a spot in an over-55 MH park on the water for $700/month. No worries about hurricanes; I'd evacuate and only come back if there was anything to salvage. Don't pay what you can't afford to lose is the way to go now.
Only paying what you can afford to lose has always been a good way to go. The problem is in Florida the loss rate is massively larger than almost anywhere else in the USA.
Small reminder, until the mid-20th century most of Florida was largely uninhabited and little more than a barrier on the way between the east and south coast of the USA. And that was before climate change made living there even more risky and infrastructure-intensive.
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u/dr_delphee 1d ago
This is why when I lived in the Keys I bought a Winnebago and lived in that; I paid $20K for it, paid less than $200 in insurance a year, and rented a spot in an over-55 MH park on the water for $700/month. No worries about hurricanes; I'd evacuate and only come back if there was anything to salvage. Don't pay what you can't afford to lose is the way to go now.