We have owned property in the barrier island of the Outer Banks for many years. Different houses in different areas. They have all been on the ocean side of the road. We've had lost shingles and minor damage, but never enough to file a claim. The worst damage we've had to property from "wind driven rain" given a name is in our home in PA and no place near water.

It's tough to predict what direction mother nature is going to go.

I don't worry about Hurricane damage here.
 

I worry far more about lightning striking our home here and burning it down. We have lost seven homes to lightning strikes in the last eight years in The Villages.


This area of central Florida is the lightning capital of the U.S.

Lightning is for real
 

Exactly, Gracie. Lightning is for real here in Florida. By the time a hurricane hits here in Central Florida it has lost a lot of its force---people are evacuated to Central Florida from the coast to get away from the hurricanes.

A hurricane can cause damage to your home but you will be safe. Lightning or a tornado are much more dangerous.