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Florida has daily thunderstorms and threat of hurricanes,

Yup. And the daily thunderstorms scare me more than the hurricanes did / do. The lightning is unbelievable.

Florida had it easy for too long. I think that'll change. We'll adapt. We'll have to if we want to keep our insurance. :-) The problem is not that we have hurricanes, the problem is that we don't have them often enough. If Florida experienced two or three major events a year, every year, we'd be fine. It's the two or three every decade or so that hurt.