Don’t forget not paying insurance premiums.
In most cases unusual and unlucky hit from a hurricane won’t destroy entire well built house. Make sure you are not in a flood zone. Flood will damage more than wind.
Helene skirted my area and took out a dozen shingles from roof. I put a temporary patch on it to prevent water damage. Hired a roofer to replace shingles for $1050. I save more than that amount every year for not carrying home insurance.
Shovel the sand and muck back out, run a dehumidifier, fresh paint, new (2) window units, and you're back in business. 200 mph wind won't hurt them.
They weren't meant to be luxury. 60 Amp service at the main panel. A gas log fireplace. Nothing on the walls. No carpets or flooring. Just a place to sleep and make a few meals. It's Florida. You're supposed to be outside, on the beach, fishing at night, and being a bum.
They are harder and harder to find. I lived in one for years. No showcase for sure. Rented it for $225 a month. 2 bedrooms, one bath, big kitchen, outside shed for a laundry. No dryer(you're in Florida) just a clothes line. The shed served as laundry and fish cleaning station, with gray water going right into the sandy yard.
Then things there went nutz in the 70's, 80's, and 90's. Toothpicks, T-111, blocks, and pitch roofs with shingles. WTF?