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The insurance rates vary from city to city so it would depend on where you live or are looking to live. I live in
broward county equally distant from miami and ft lauderdale. I am 13 miles west of the beach. 2200 sq ft 3/2 and a half with a pool. Have hurricane shutters. Premium this year is 2500.00 would have been almost 4000 had I not had the shutters installed last year. Flood is about 300.00 per year. |
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I would rather deal with hurricanes than with earthquakes!
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I definitely agree. |
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If hurricanes haven't hit your area for 40 years, you begin to feel that you're safe. |
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Hurricanes didn't hit Martin County for about 65 years. Suddenly we were hit by a one-two punch with Frances and Jeanne. Frances was a massive soaker and went on for almost 4 DAYS. Old trees simply fell over as the root systems got soaked and lost hold. There was massive damage as people had gotten complacent over so much time without a major storm. I was 11 days without power. On well water, that meant I also had no water. I basically camped in the house until power was restored. I had no phone for 6 weeks as the underwater cable in the intracoast waterway was damaged. 3 weeks after Frances, Jeanne came and took out everything that Frances missed. The storm took about 12 hours to pass, I was in my closet the entire time. In a concrete house, leaning against an inner wall, the pressure and sound were identical to being on a jet plane. The CONCRETE house was vibrating. Do not take any storm lightly.
That all being said, the house I bought later is a circa 1934 concrete, 1978 attached wood frame directly in the bullseye of both of those storms and it has only lost a few shingles. The lay of the land and wind direction has alot to do with it. Like most, I don't fee terribly terrified after those experiences unless its higher than a mid-Cat3. Then you'll see me driving across the state to a pre-arranged safe haven. The key is PRE-ARRANGE. Make a plan for everything, pets, food, important papers ready in a travel container to go. There is nothing like knowing you are ready, when everyone else is standing in line for batteries. With hurricanes we have the luxury of planning, preparation and forewarning. With other natural dangers there are no such luxuries. That is why we don't "up and leave" at the mere sniff of 105mph winds. |
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I would rather face a hurricane in a concrete block house thats designed to withstand one, instead of facing tornados in the rest of the country, in a house that 's built of matchsticks, like most of the houses around the resto f the country seem to be.
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Unlike earthquakes and tornados, the NOAA gives hurricane warnings days in advance. That gives me plenty of time to prepare!
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Now that the rainy season is here, I am really loving the weather. Frankly whatever negatives are brought by the hurricanes, the positives FAR outweigh the negatives.
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What do you mean by this? |
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