Either is good.
1. I don't have an insight on the relative costs of heating and air conditioning houses in TV according to the type of construction, but I suspect that the difference in terms of cost is insignificant.
2. The Villages developer claims that the houses they build, both stucco and frame, will withstand the same level of hurricane force winds. In addition, TV is so far inland that it is likely that a hurricane striking Florida will diminish to the level of a Tropical Storm before arriving here. The winds diminish as they travel over land.
3. My experience, after having homes in five different states, from the snowy east to the deep south, has been that heat exchange through windows can be a major factor in the cost of heating or cooling the home.
This can be mitigated by:
a. Taking into account the exposure to direct sun of windows in the house when shopping for a house.
b. Installing insulated windows if the house does not have them.
c. Installing awnings to protect windows from direct sunlight.
d. Adjusting window blinds, plantation shutters, etc. to prevent direct sunlight from shining on furniture and flooring at various times of the day which adds heat to the interior of the house.
4. I personally prefer the appearance of stucco, but it brings with it the necessity to repaint periodically. Also, as the ground settles over the years, cracks appear occasionally which must be mended and repainted.
In summary: I would not base my home shopping decision on whether the house is constructed of stucco or frame.
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