I’d buy a cinder block house. That way I’d only need roof insurance.
I’m in a townhome a block from the beach in PB County. Concrete walls, ceilings, and roofs. Divosta built a ton of these places back in the mid-late 80’s.
I’ve been here nearly 35 years and have never seen a building damaged from wind or water. Just downed trees.
Homestead...Andrew....