Because we are not in the same HVHZ area. Here is a map to give you an idea.....
The building code here is much different from the Miami-Dade area. Note that these codes are changing every few years and are getting stricter. Eventually you may see the whole state of Florida treated the same...but at this point it is not. Basically we are safer here in the middle of Florida than if you were on the coast statistically.
Frank