As a Florida resident of only four years, in the dead center of the state, I bought a brick home (virtually all brick homes are wood frame construction) because it was what I could afford. Insurance is cheaper than areas closer to the coast but it is still much cheaper insurance if you have a new, or much newer home. Brandt is totally right. A friend of a friend built a new house about 1600 sf, mine is a bit over 1800 sf (built in the late 70s). This was about three years ago. His insurance was less than $600 while mine was $1800. Over $2300 now. I paid less than that for a house valued over $800k (vs $250k) in another state before I moved here. But, I don't regret my decision.
We just fled the North Korea of the USA (Commifornia) for the Free State of Florida. We bought a single story ranch, frame construction, new roof, double paned windows on 1/5 an acre in Lake County. We took Milton square in the teeth and only suffered 200 dollars in damage. We have 6 lakes and a bunch of retention areas in our community, and no one got flooded. Florida is SO much nicer to live in than Taxifornia. Our insurance is supercheap, only 2200 a year for a 2200 sqft house.
I have been remodeling homes for 30 years in Florida, I also own a block home in central Florida, on high ground. The best type of home, is a block home built after 2002, preferably in a non-evac zone, high ground if possible. Unfortunately, this is also the most expensive home to buy in Florida. I feel really bad for anyone buying a house in today's market, honestly, I would not buy now unless you find an insane deal, the insurance market is crazy if your house is old, and most wood frame houses are built like crap, almost throw away.
Remember alot of newer homes are synthetics..wood, drywall, roofing even plumbing and heating..alot of plastics and rubbers..older places are real.materials thats why they are still around..cheers
We live around 70 miles from the coast. We got hit two years in a row here. The first time wasn't too bad but this last year was. Nearly everyone around here has some kind of damage.
Think low price as well. Less insurance and taxes. Just take your time and find what you like. Also, newer roof is a huge plus. No or very low HOA too.
Our Florida single family home has solid concreate walls. It is right on a canal, but about an hour inland from the closest gulf beach. Has been hit by TWO cat 5s and now has a full metal roof.
there was one guy that bought one of the WWII beach bunker gun mounts and converted it to a home back in the mid 80's. Wonder if it's still there and a good home. Also use to be one of them spaceship homes out there between Pecola beach and Navarre.
I have a 2 story home, 4 miles from the east coast, Volusia County. Frame house with 2×6 exterior walls built in 2018. Insured with State Farm, valued at $850k. My premium is $1,800.00/year. It's gone up a couple hundred dollars over the last 2 years. I've owned a home since 1997 and owned several rental properties. Never any claims.
is it feasible to talk about historical hurricane hits to florida, at this point? climate change and affected this situation greatly, and it seems that the old "norm" is obsolete. Never was the Gulf or the waters around South Florida as HOT as they have been recently, and we know what hot water does to the storm season.
NO WHERE IN FLORIDA ARE YOU SAFE from high wind storms. The coast, its the Ocean Surge, inland its still high winds and start moving north from, say, Highlands county, i.e. Orlando, its hail and tornadoes. Add to the list in some area like SW FL, FIRE. For years I worried more about Fire Season Jan to June than I ever did in hurricane season. Lets face it, Florida aint the Paradise you were led to believe.
As a Florida resident of only four years, in the dead center of the state, I bought a brick home (virtually all brick homes are wood frame construction) because it was what I could afford. Insurance is cheaper than areas closer to the coast but it is still much cheaper insurance if you have a new, or much newer home. Brandt is totally right. A friend of a friend built a new house about 1600 sf, mine is a bit over 1800 sf (built in the late 70s). This was about three years ago. His insurance was less than $600 while mine was $1800. Over $2300 now. I paid less than that for a house valued over $800k (vs $250k) in another state before I moved here. But, I don't regret my decision.
We just fled the North Korea of the USA (Commifornia) for the Free State of Florida. We bought a single story ranch, frame construction, new roof, double paned windows on 1/5 an acre in Lake County. We took Milton square in the teeth and only suffered 200 dollars in damage. We have 6 lakes and a bunch of retention areas in our community, and no one got flooded. Florida is SO much nicer to live in than Taxifornia. Our insurance is supercheap, only 2200 a year for a 2200 sqft house.
I have been remodeling homes for 30 years in Florida, I also own a block home in central Florida, on high ground.
The best type of home, is a block home built after 2002, preferably in a non-evac zone, high ground if possible.
Unfortunately, this is also the most expensive home to buy in Florida.
I feel really bad for anyone buying a house in today's market, honestly, I would not buy now unless you find an insane deal, the insurance market is crazy if your house is old, and most wood frame houses are built like crap, almost throw away.
My friend as a Floridian you should be aware its not the hurricane its the F4 Tornados than spread out during the hurricane , when you inland, .
As a new Floridian I learned this very quickly
As a life long Floridian since the Late 50's, F4's are very rare, but F0-1's are common.
@@Swamprowdy A category F4 tornado hit Orange county in the night of February 22, 1998, between 11:45 and 11.55 p.m.
Remember alot of newer homes are synthetics..wood, drywall, roofing even plumbing and heating..alot of plastics and rubbers..older places are real.materials thats why they are still around..cheers
We live around 70 miles from the coast. We got hit two years in a row here. The first time wasn't too bad but this last year was. Nearly everyone around here has some kind of damage.
Think low price as well. Less insurance and taxes. Just take your time and find what you like. Also, newer roof is a huge plus. No or very low HOA too.
#1. FLOOD ZONE X.
#2. FLOOD ZONE X.
#3. FLOOD ZONE X.
And, definitely buy FLOOD INSURANCE
You’re Welcome.
#2, #3, #4 for the win - totally agree
Our Florida single family home has solid concreate walls. It is right on a canal, but about an hour inland from the closest gulf beach. Has been hit by TWO cat 5s and now has a full metal roof.
there was one guy that bought one of the WWII beach bunker gun mounts and converted it to a home back in the mid 80's. Wonder if it's still there and a good home. Also use to be one of them spaceship homes out there between Pecola beach and Navarre.
Generally, what kind of insurance rates are people getting for new builds (SFH, 1600 sq ft, ranch style) in the suburbs like Pace?
I got one around $2000 a year for a client recently.
You talked about condos. We were thinking about possibly purchasing in the Destin area, mainly for rental.
What are your thoughts?
I'm paying 1200 a year in Crestview. 2300 Sq ft
How do you determine the elevation of a specific home?
Public tax records have recorded elevations.
Get a surveyor to do an elevation certificate.
I have a 2 story home, 4 miles from the east coast, Volusia County. Frame house with 2×6 exterior walls built in 2018. Insured with State Farm, valued at $850k. My premium is $1,800.00/year. It's gone up a couple hundred dollars over the last 2 years. I've owned a home since 1997 and owned several rental properties. Never any claims.
Just out of curiosity did you buy it before 2021? If so that explains the insurance. Most people buying after 2021 are getting crushed.
Everyone is getting crushed. I bought my house new in early 90s. Insurance was $600. Now $5000 with a $50k hurricane deductible
@@MovingToTheGulfCoast I built it and we got our certificate of occupancy 11/2018
Show us some examples!!!
Well when trump buys canada im moving to florida. Hope the rest of america moves to the frozen north because im done with winter lol😂
Florida is full. But if you do get lucky and get a place down here, never vote Democrat.😂
@TheRealestHi lol never in my life would i ever. Never voted liberal ever not one time not ever
a October Florida you would wish you were up north ......thats my experience in florida
Hurricane Ian did not hit Pensacola Florida. Or I may have heard you incorrectly when you were talking about going through Ian.
I said Ivan not Ian. Maybe I said Ian by mistake but meant Ivan
is it feasible to talk about historical hurricane hits to florida, at this point? climate change and affected this situation greatly, and it seems that the old "norm" is obsolete. Never was the Gulf or the waters around South Florida as HOT as they have been recently, and we know what hot water does to the storm season.
NO WHERE IN FLORIDA ARE YOU SAFE from high wind storms. The coast, its the Ocean Surge, inland its still high winds and start moving north from, say, Highlands county, i.e. Orlando, its hail and tornadoes. Add to the list in some area like SW FL, FIRE. For years I worried more about Fire Season Jan to June than I ever did in hurricane season. Lets face it, Florida aint the Paradise you were led to believe.
Interested in that house scenic heights. Lmk . Hit reply and number.