Florida isn’t for everyone, many in TV have the ability to vaca to cooler states visiting family and friends. Some like us have more than one home, and can travel to see seasons change.
In TV hurricane weather isn’t a factor for us, insurance is less in TV than our northern homes, car insurance about the same. As far as lighting storms, doesn’t effect us anymore than the tornadoes, straight winds and severe thunderstorms with loss of power summer or winter for days.
I am not a fan of heat, enjoy fall and snow, spouse can’t handle the cold. So here we are, but have multiple options
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Do not worry about things you can not change 
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