[QUOTE=TheDude;1338394]If by 'if' you mean is it something I usually worry about... well I don't think I do, but I am new to Florida and wonder if I should be concerned.
Being from the Northeast, the worst type of weather was snow and ice. I was very concerned about hurricanes, sinkholes and lightning. Insurance, insurance, insurance is the best answer.
When I first rented here, a house burned down from a lightning strike. I was shaking in my boots. Could something bad happen. YES! I had lightning rods installed on my home as I feel it's better that I have done everything in my power to prevent something from happening. Chances are slim to none. I don't worry about things beyond my control.
Been here for over three years and the good far outweighs any concerns about something bad happening.
Man plans and GOD laughs.
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"It doesn't cost "nuttin", to be nice". 
MOM
I just want to do the right thing! Uncle Joe, (my hero).