I wouldn't buy a frame house anywhere in the country if concrete was available and I could afford it, but because of hurricanes? 80 miles from the ocean? Puuleeeze!
My 20-year-old frame Texas home, 80 miles from the ocean and built to no windstorm standard whatsoever, withstood three level-five hurricanes, without so much as losing a shingle. In one case, the eye passed directly over my house. How is that possible? Because a level 5 is barely a level 1 by the time it crosses 80 miles of land.
My Oklahoma home was at far greater risk from windstorms than my Texas home, and I actually did lose half my roof to a tornado one time. Nothing withstands a level-5 tornado, not even concrete. The level-one remnants of one of those passed over my house one time, too, after leaving an 80 mile path of destruction all the way from OKC to Tulsa. And yet, for some strange reason, my Oklahoma insurance was a quarter of my Florida insurance, even adjusted for inflation.
You ought to get a 75% discount for insuring a concrete house built to hurricane standards 80 miles from the ocean in the Villages. The fact that you don't tells you everything you need to know about the Florida insurance industry.
|