The Villages is in the center of the state and in the 7 years I have been here, there have not been hurricane force winds with any of the hurricanes from either the Gulf or Atlantic side.
You might want the hurricane film protection if you lived on the coastal areas. You would also find the homeowners insurance premiums much higher and the hurricane deductible much higher.
All that said, it is still up to each one as to their comfort level.
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