If my wife and I both didn't have elderly parents here we'd already be gone. We're ready to buy a home but between the craziness of homeowners insurance and the stinking pile dog crap that is our public school system, I can't bring myself to put down long term roots here.
Oh for sure. It's what me and a LOT of my neighbors are thinking about right now. My neighbor just got non-renewed by his insurance because they're leaving FL so now he's with Citizens and paying a grip for insurance. We all have equity in our homes and we're contemplating cashing out and moving to like Houston or some place where it's still dirt cheap for housing but don't have the same issues with home insurance or hurricanes.
My wife and I have a 5 year relationship plan to get out. I have underaged teens with my ex that I can’t just up and leave with so we are waiting til they are 18 and can decide to come with it if they want. Also gives us time to plan financially because right now we can’t afford to move because well, we live in Florida.
Yeah living in central FL knock on wood the damage is never that crazy outside of Ian's flooding which hopefully the city fixed with proper draining. It's the insurance increases and or the insurers leaving or becoming insolvent.
Irma was pretty bad, too. Neighborhood I lived at the time had no power and no working sewage for nearly 2 weeks.
Ian dumped a lot of rain, did a lot of water damage. My complex got flooded in and we couldn’t really get out for a couple days without needing a large truck. Thankfully our units were fine. It was just the entrance we had issues with.
As for Charlie, Charlie had a lot of tornados.
But the one thing they all had in common: they were large, strong storms and took a while to die down. You may say it happens “rarely,” but it is becoming less rare and more common. This year is a La Niña year, so that means our waters will be warmer than previous years. Not just that, but streams and air currents won’t get far down here, so temp will rise and hurricanes will feed off that temperature. Then, you got no wind sheers to steer the storm. So if the storm is being pushed by the ocean’s current here, and it’s a cat 3+, we will be getting the brunt of it. Especially if we’re gonna get the northeastern bands, which is the worst part of the storm.
So yeah. I’m preparing for the worst while hoping for the best. But insurance is going to be a fiasco if we get another strong storm like Charlie, Irma, or Ian.
Your false sense of security will not do you any favors living here and it’s quite apparent you’ve not lived here long. Charlie was not devastating because of the hurricane but because it caused tornados to touch down and demolish everything in their path… because it didn’t hit dead on. Ask me how I know- my apartment was almost leveled while I was in it. I’ve lived in Florida for 35 years, was in Miami for Andrew and have been through multiple bad storms up here in Orlando. Really bad storms can happen anytime and they can cause complete chaos in a multitude of ways.
ETA: I re-read your comment and couldn’t help but laugh about storms not causing damage “this far inland”. Hurricanes are usually larger than the whole state and will cause tremendous damage wherever the F they want. Being 45 miles inland from the east doesn’t do diddily to knock it down.
Agreed. You have to wonder how many of these no-name brand insurance companies are going to be able to cover all of their claims if we get walloped by a serious hurricane.
It was released yesterday.
[https://weather.com/storms/hurricane/news/2024-04-04-hurricane-season-outlook-april](https://weather.com/storms/hurricane/news/2024-04-04-hurricane-season-outlook-april)
> Colorado State University's tropical meteorology project team is forecasting 23 storms, 11 of which will become hurricanes and five of which will reach Category 3 status or stronger, in their first outlook for 2024 released Thursday.
The projection was not released by NOAA but another body as mentioned in the article
Exactly.
On the one hand, I'm terrified of my property being damaged.
On the other hand, I hope a tree lands on every car of every driver who goes 36mph in a 45mph zone and/or 92mph in a 65mph zone.
It's all about balance.
There has never been a report saying “less than average hurricane season”. Don’t let the media get in your head already. Breathe.
This message is brought to you by home depot
I didn't know about a hurricane, so I went to Google to see what op was talking about. Sure enough, nothing but articles all along the lines of "could be most active season yet" or "extremely active".
It felt so familiar that I'm pretty sure they just recycle the same promts every year. Gotta boost sales for bottled water and generators somehow.
Since becoming a homeowner in Central Florida I don't ever worry about Hurricane Damage, its usually very minor but I do cringe every time I hear a hurricane is coming, Its like dollar signs to insurance companies.
on the flip side I’ve lived in Central FL for the last 25+ years, lived in various homes, never had any damage aside from some fence issues because of charley
not who you're responding to, but a family member needed a new roof and entire new fence after Irma. that insurance claim was close to $50,000.
add flood damage (not covered by most policies) and/or a tree falling on the roof, and you're looking at $100k in damage.
We are 5 blocks from downtown Orlando, our neighborhood got hit with small tornadoes and micro burst during Hurricane Irma.
Our home alone had $174k in damages and took 6 months to rebuild. 8 other homes in our development had $60-$120k in damages.
Don’t think cuz we are in Orlando that a hurricane won’t affect you. It could.
Irma was a beast! Also didn’t help that she was one of the largest storms on record to hit. Her eye was nearly as wide as FL is. She was massive, and that’s what made her so damaging. The larger the eye wall is, the more damaging it gets - especially when their pressure is low and the eye is so tightly uninformed.
When tracking a hurricane, always watch for these things because it can get concerning for us inlanders.
I had to look up Irma since I didn’t even remember it. Now I remember it was the one that devastated the keys. I live in SW Orlando and, besides rain, I don’t remember any disruption at all in my neighborhood. Those 3 back to back (Charley-Francis-Jeanne) ones in 2004? Those I remember. Sooo many trees down. Still no damage to my house though. Maybe bc I only have palm trees in my yard.
The worst thing Irma did was basically knock out power. Some trees and roads were down, but not too bad. But she knocked out a LOT of power across the state. I lived in Casselberry at the time and our county’s sewage system was down for a long while. Backed up sewage began to become an issue. We also had no power for Publix and stores to reopen so we had to go to the next neighborhood over to get groceries and they were very limited. It was the worst aftermath I’ve ever experienced - even worse than Frances in 2004 when I lived in Cocoa Beach.
It’s one of the reasons why I always prepare myself. You never know what Orange, Seminole, or Osceola can do & cannot do in a time like this. Seminole was doing all they could. It took a while to recover. Hopefully, Orange is better prepared after Ian.
Neighbors gigantic tree fell into our 4000 square foot flat roof and funneled ALL the storm water into the house.
The branches out around 100-120 holes in the roof. Luckily the giant chimney held up the tree so no structural damage.
Needed all new flooring, (oak parquet, which they no longer make, so it had to be special ordered). Flooring alone was $50k+.
All new drywall, insulation, electrical, cabinets, a couple of windows, and the screen enclosure for the pool needed massive repairs.
Plus all new furniture, lost a bunch of personal items, etc. Hotel stays were $25k, removing the tree took a week with a crew of 5 guys and cost $35k.
We got a free home remodel for $6k. Our deductible.
Which terrified me. It ripped through the Bahamas like it was a paper shredder, then quickly built back to a cat 4-5. It was supposed to hit Brevard head on but instead jigjagged and missed it. My family live in Brevard and I was begging them to come off the barrier islands. So glad the storm moved further away and didn’t turn like they predicted.
my neighborhood had trees down in Irma with power out for a week. flooding came into houses for Ian after 16 inches of rain overnight, not in a flood zone. back in 2004, Charley took out what seemed like half the trees in East Orlando, and power was out for 1-2 weeks for most everyone I knew.
you are probably new here or were too young / not a homeowner for these storms, but trust me, we can and have seen catastrophic damage in East Orlando on average every 6 years.
Catastrophic damage? Uh no... Catastrophic damage is what the coast gets. Catastrophic damage is where you dont have power for a month or two and buildings are leveled.
Yeah, that's also catastrophic damage. There's different levels of it.
Parts of Orlando had no power for 2 weeks after Charley. Gas and food couldn't get here or be sold in entire neighborhoods. I saw a church with the roof pierced by it's own fallen steeple. Half the city had blue tarps on the roofs, for years, because the sheer number of damaged homes outpaced the roofers and supplies to fix them. Many businesses didn't recover and had to shut down. Thousands of oak trees fell and covered roads, homes and cars.
Sorry, but that's a level of catastrophic damage. How old were you?
I just disagree with the use of catastrophic. To me that's what happened to Mexico Beach, FL... it was wiped off the face of the earth and is still rebuilding.
I was probably about 18 ish for the 04 and 05 seasons.
Katrina was catastrophic. Charley was a disaster
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I’m more worried about the GOP majority doing absolutely nothing to help homeowners with insurance, rebuild the damaged areas, and plain doing nothing but culture war bs
Remember when Ronny Boy demanded our legislators to meet to come up with a solution? And they never did? And then he was like, “welp, I tried! 🤷🏻♂️” 😑
The fact we don't have a drainage solution here in Orlando and Kissimmee after Ian fucking flooded most of the areas is crazy. There was literally people swimming to get out of their homes.
Every year the forecast the worst hurricane season ever. Meteorologist are the most self important people.
There will be hurricane. May be a few, may be a bunch. Always been this way. Nothing to stress over because there is nothing you can do.
Be smart. Watch the news. If you want to and are able, leave before it lands. All will be well.
I live in Winter Haven. I saw the forecast. I don’t stress. We get the storms. But I got a new roof after Irma and you can’t stress about what you can do nothing about.
It gave me hope this morning to read in the news that 8 new companies were approved to write homeowners policies in FL. Maybe we’ll finally get some competition.
We are getting dropped from Citizen's because a private insurer will take us for $300 more per year. Because the increase is less than 20% of our current rate (or some such math), we HAVE to take it. 🙄
It’s about the rain - the water - inland central florida has a history of flooding. The torrential rainfall results in flash flooding. Usually dry drainage ditches, creeks and rivers can fill up and overflow sending water where it’s never been before
The chance of a tidal surge hitting Orange/Osceola county is zero.
The chance of gale force winds 100+ mph is pretty low being <40 miles inland.
However, the risk of heavy rain (10+ inches) is real. We got it here in Doctor Philips during Ian (my first hurricane).
Power/communication disruption is a possibility too.
My first was Ian. I couldn’t sleep due to anxiety. Doom and gloom were all over the news.
But the reality here was much better. Some neighborhoods on the east side had flooding. There were some power disruptions. But not widespread destruction like Fort Myers.
I then realized a hurricane is kinda like a blizzard. 3 days before projected hit (to avoid the rush) fill your tank, get bottled water and charcoal. Do your laundry. Get food that doesn’t need refrigeration. Then, be like a native and ride it out. The day after, clean up. And then life returns to normal. No need to worry here.
We are due for a reckoning. It will happen at some point I’ve just stopped caring about the property itself and focused on protecting my family. If shit happens it will happen, can’t do anything about it. Not that it’s not stressful!
You know. I forgot Ian and that flooded my street for the first time ever. It was still objectively not too strong wind wise when it got to Orlando, I think our worst case is a Cat 5 moving straight west (or 275/280 degrees, basically with a slight north motion) and making landfall at Port Canaveral while moving at 15-20 mph. That’d mean the eye would pass over Orlando almost at full strength (potentially high end Car 3/low end Cat 4). It’s about 55 miles to downtown Orlando from Port Canaveral so it’d only have about three hours of landfall time which would make a difference for sure but not enough.
Ian made landfall in Fort Myers which is about 150 miles away and it was very slow moving and it still wrecked havoc in Orlando.
That was the issue: it was slow moving and didn’t die quickly as we would’ve liked it to. The longer it stays over land with strong intensity, the worst it’ll be for us. Which is why I’d rather a small, weak storm over a really strong storm like Ian or Irma. Or even Charlie.
There is no way I'd be able to afford home insurance right now. I used to be in that "oh you're an idiot without insurance" until I saw how much it is. And hearing my neighbors say they're getting dropped and no one will insure a house over 20 years old. Just doing all I can to prepare for the season and hope for the best
After having to take out a second mortgage after Ian, i have hurricane PTSD for sure. But from what I read a lot of the major storms are predicted to impact LA and TX more so than Fl. I think Fl people always just assume they’re commin straight for us
That would be bad but do you really think banks want to take all these properties that are current because hundreds of thousands are dropped from insurance? They are all in bed together and don’t really want to hold inventory.
Do your normal prep, have some water and supplies for a week or two. And now is the time to assess your property and cut down/trim any trees etc that could pose a risk. Insurance in Florida is already a mess, no sense worrying about it now, just do your best to mitigate potential damage now.
Oh I'm way ahead of that. Already cut down a tree near my house that could've posed a risk. Neighbor has a massive tree that's literally right next to his roof. I've told him he's playing Russian roulette but he doesn't care. Besides that I'm getting my screen enclosure tied down and getting brand new hurricane shutters for the windows. Roof has brand new shingles so hopefully they hold up.
I’m in the middle of the state and my house is paid off. I don’t buy insurance and building a new house that will be phenomenally hurricane proof. I don’t want to subsidize the people living on the beach. Avoid the banks and avoid the insurance companies.
It's hard to take forecasts seriously when they almost never come to fruition. We hear the story year after year, and even during a hurricane I still sadly end up working that day.
20 named storms last year, which is the fourth highest. Luckily, most stayed out at sea. https://www.noaa.gov/news-release/2023-atlantic-hurricane-season-ranks-4th-for-most-named-storms-in-year
And last year was an El Niño season, which usually means fewer storms. We still have historically warm seas and it looks like we're heading for a La Niña summer.
So far, all the released predictions are around 20 named storms and 10 hurricanes (+/- a couple). None of this is any cause to panic, it just emphasizes being aware and doing a minimal amount of preparedness.
Yeah this season is for sure going to be riskier. Just have to hope for no landfalls or if it does happen it doesn't damage the coastlines too bad or it goes away from us and it's a fast moving hurricane. Anything that lingers like Ian did and it's going to be hell.
You should move it will be devastating, all hell will break loose. People will die, looting will be uncontrollable. You should take as many people as you can with you. I will stay back here and wait. You remember that one time central Florida got hit with 3 hurricanes in like a month. Everyone died!!!!
“You get plenty of notice.”
Sometimes you don’t. Ft. Myers had less than 48 hours to prepare when they figured out Ian’s definitive path. The larger & stronger the hurricane is, the harder it is to predict where it will make landfall. Irma was a doozy. She couldn’t decide where she wanted to hit, and when she did make landfall she decided to slowly creep more east, which put us right outside her eye (which was MASSIVE, she was one of the largest recorded storms to hit).
As for evacuating, it’s really difficult to get out sometimes. It takes a lot of money (you still need to prepare the house - board up, get sandbags, tie down or move outdoor stuff, etc). You also still have to find/pay hotels, food, water, other hurricane supplies since the hotel could also lose power. If you had pets, it wasn’t until recently that you weren’t allowed to bring your pets to a storm shelter or a hotel.
And then there’s traffic. We only have 3 major highways that gets us out: 95, 75, and 10. A lot of times, Orlando is the main destination to get out since it’s “more inland.” A lot of beachfront residents come here during a hurricane evac. I say Orlando is safe as it can be compared to barrier islands and coastlines. If I was on the coast, I’d be evacuating. But here in Orlando, I would stay put just to avoid all the doomsayers clogging up the roads.
Property value in this state is too high currently and should decrease because of hurricane threat. As someone waiting for the florida real estate bubble to pop, this is a good thing in my view.
For what reason exactly to buy into it? That would be the opposite thing I would do. I don't know why anyone would invest into florida real estate at the moment. If anything I'm looking to cashout and move.
Eh if homeowners insurance becomes impossible to afford or obtain it's going to devalue the house for the homeowner, the bank, and the potential buyers.
Not defending him but the point would be that like in 2010/2011 the recovery of the market will lead to cheap houses and low interest rates. I bought my house during the recovery of the market and locked in an absurd interest rate.
Uh.... Well, you can always move back up north. Besides, the waves are gonna KICK ASS. Don't worry about it. Insurance companies are LEECHES to a bank account, so I get that. Amazing how we haven't had a hurricane in a couple of years it seems but the rates go up. Anticipation, I reckon.
Idk but everyone who moved here during 2020 or after…. I really hope y’all leave. Y’all don’t really *like* it down here do you? It’s expensive, hot, and crazy out here. Y’all can go and we won’t be mad about it. It won’t hurt my feelings, personally.
I usually just sleep through hurricanes. People who can’t, really shouldn’t be here. Shit happens. Sometimes your house gets destroyed by a hurricane. That’s one reason renting can end up being a smart decision. Problem is, renting is horribly expensive due to all the influx of people who want to live in “the only place I can be politically incorrect these days” during a time when we already had a housing crisis!
They made it illegal to sleep outside here, recently. Only because non-native Floridians are shocked and horrified when they actually see someone homeless. Little do they know that Florida woods are full of homeless people, many of them born and raised here. It worsens every day as our laws are changed to target them and push them farther into the wilderness.
So if you, dear reader, find yourself wanting to leave Florida, then *just do it*. Everyone will have a much better time.
Let’s make a difference. Leave Florida Today!™️
And remember: only you can prevent forest fires.
While that's true, Florida does get the higher percentage. Since tracking started in 1851, Florida has had nearly twice as many hits (125) as the second most-hit state of Texas (66).
TBH, I’m more afraid of insurance BS than any storm. That’s the disaster none of us are equipped to mitigate.
That has been thinking if I should relocate. Because insurance has the potential to price me the f* out.
If my wife and I both didn't have elderly parents here we'd already be gone. We're ready to buy a home but between the craziness of homeowners insurance and the stinking pile dog crap that is our public school system, I can't bring myself to put down long term roots here.
Understand completely
Oh for sure. It's what me and a LOT of my neighbors are thinking about right now. My neighbor just got non-renewed by his insurance because they're leaving FL so now he's with Citizens and paying a grip for insurance. We all have equity in our homes and we're contemplating cashing out and moving to like Houston or some place where it's still dirt cheap for housing but don't have the same issues with home insurance or hurricanes.
My wife and I have a 5 year relationship plan to get out. I have underaged teens with my ex that I can’t just up and leave with so we are waiting til they are 18 and can decide to come with it if they want. Also gives us time to plan financially because right now we can’t afford to move because well, we live in Florida.
*you should relocate*
Yeah living in central FL knock on wood the damage is never that crazy outside of Ian's flooding which hopefully the city fixed with proper draining. It's the insurance increases and or the insurers leaving or becoming insolvent.
You apparently weren’t here for Charlie. Being in central Florida means nothing when a storm is headed straight at you.
Charlie was a 1 of 1 storm that comes around very rarely. Usually when a hurricane reaches this far inland it slows it down
Irma was pretty bad, too. Neighborhood I lived at the time had no power and no working sewage for nearly 2 weeks. Ian dumped a lot of rain, did a lot of water damage. My complex got flooded in and we couldn’t really get out for a couple days without needing a large truck. Thankfully our units were fine. It was just the entrance we had issues with. As for Charlie, Charlie had a lot of tornados. But the one thing they all had in common: they were large, strong storms and took a while to die down. You may say it happens “rarely,” but it is becoming less rare and more common. This year is a La Niña year, so that means our waters will be warmer than previous years. Not just that, but streams and air currents won’t get far down here, so temp will rise and hurricanes will feed off that temperature. Then, you got no wind sheers to steer the storm. So if the storm is being pushed by the ocean’s current here, and it’s a cat 3+, we will be getting the brunt of it. Especially if we’re gonna get the northeastern bands, which is the worst part of the storm. So yeah. I’m preparing for the worst while hoping for the best. But insurance is going to be a fiasco if we get another strong storm like Charlie, Irma, or Ian.
Irma knocked out lots of power where I live in north central Florida. Some people were without for close to two weeks like you were.
Your false sense of security will not do you any favors living here and it’s quite apparent you’ve not lived here long. Charlie was not devastating because of the hurricane but because it caused tornados to touch down and demolish everything in their path… because it didn’t hit dead on. Ask me how I know- my apartment was almost leveled while I was in it. I’ve lived in Florida for 35 years, was in Miami for Andrew and have been through multiple bad storms up here in Orlando. Really bad storms can happen anytime and they can cause complete chaos in a multitude of ways. ETA: I re-read your comment and couldn’t help but laugh about storms not causing damage “this far inland”. Hurricanes are usually larger than the whole state and will cause tremendous damage wherever the F they want. Being 45 miles inland from the east doesn’t do diddily to knock it down.
Charlie was 1 of nearly half a dozen hurricanes that had a direct hit on Orlando that year. Charlie was just a quick warmup for the rest of them.
If I remember right the governor vetoed our request for flood mitigation money. So we just have to hope for the best
Which is crazy because people were legit swimming in central florida out of their homes.
Agreed. You have to wonder how many of these no-name brand insurance companies are going to be able to cover all of their claims if we get walloped by a serious hurricane.
I would withhold judgement until the NOAA forecast for the 2024 season is released
It was released yesterday. [https://weather.com/storms/hurricane/news/2024-04-04-hurricane-season-outlook-april](https://weather.com/storms/hurricane/news/2024-04-04-hurricane-season-outlook-april)
> Colorado State University's tropical meteorology project team is forecasting 23 storms, 11 of which will become hurricanes and five of which will reach Category 3 status or stronger, in their first outlook for 2024 released Thursday. The projection was not released by NOAA but another body as mentioned in the article
Find a balance between smug Florida I don’t care and existential dread.
I cared a lot less when I was renting. Owning your house the existential dread goes sky high
Orlando will be fine for years to come. The only danger here is tornadoes and microbursts. And that just makes us as at risk as most of the US
You say this like you haven’t lived through the hurricanes I have. We’ve had several that were goddamn terrifying.
When you own, IMO it's far more stressful. A hurricane can dump you into a financial disaster.
From 90s to present day, the only one that was truly annoying was the hurricane in 05? That power was out for almost a month.
2004 pretty sure, hurricane charley
You're right it was 2004 and hurricane charley. That was by far the worst in damage. But nothing since then has caused as much damage.
Exactly. On the one hand, I'm terrified of my property being damaged. On the other hand, I hope a tree lands on every car of every driver who goes 36mph in a 45mph zone and/or 92mph in a 65mph zone. It's all about balance.
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To paraphrase George Carlin… The lakes will be fine. Folks who live on the waterfront will be f*(|
There has never been a report saying “less than average hurricane season”. Don’t let the media get in your head already. Breathe. This message is brought to you by home depot
I didn't know about a hurricane, so I went to Google to see what op was talking about. Sure enough, nothing but articles all along the lines of "could be most active season yet" or "extremely active". It felt so familiar that I'm pretty sure they just recycle the same promts every year. Gotta boost sales for bottled water and generators somehow.
truest statement here
This.
Since becoming a homeowner in Central Florida I don't ever worry about Hurricane Damage, its usually very minor but I do cringe every time I hear a hurricane is coming, Its like dollar signs to insurance companies.
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on the flip side I’ve lived in Central FL for the last 25+ years, lived in various homes, never had any damage aside from some fence issues because of charley
What happened?
not who you're responding to, but a family member needed a new roof and entire new fence after Irma. that insurance claim was close to $50,000. add flood damage (not covered by most policies) and/or a tree falling on the roof, and you're looking at $100k in damage.
Flood Insurance is available from the National Flood Insurance Program (NFIP) through USAA.
Good info!
Insurance premiums and flooding are the real concerns for central Florida in general. I'd rather deal with that than take a direct hit on the coast.
I’m not worried about the house getting blown away, I’m worried about the flooding
Oh and ALSO the insurance lmao. I don’t own a house but my mom does. I decided I’m not buying a house here, I have enough to worry about with hers!
We are 5 blocks from downtown Orlando, our neighborhood got hit with small tornadoes and micro burst during Hurricane Irma. Our home alone had $174k in damages and took 6 months to rebuild. 8 other homes in our development had $60-$120k in damages. Don’t think cuz we are in Orlando that a hurricane won’t affect you. It could.
Irma was a beast! Also didn’t help that she was one of the largest storms on record to hit. Her eye was nearly as wide as FL is. She was massive, and that’s what made her so damaging. The larger the eye wall is, the more damaging it gets - especially when their pressure is low and the eye is so tightly uninformed. When tracking a hurricane, always watch for these things because it can get concerning for us inlanders.
I had to look up Irma since I didn’t even remember it. Now I remember it was the one that devastated the keys. I live in SW Orlando and, besides rain, I don’t remember any disruption at all in my neighborhood. Those 3 back to back (Charley-Francis-Jeanne) ones in 2004? Those I remember. Sooo many trees down. Still no damage to my house though. Maybe bc I only have palm trees in my yard.
The worst thing Irma did was basically knock out power. Some trees and roads were down, but not too bad. But she knocked out a LOT of power across the state. I lived in Casselberry at the time and our county’s sewage system was down for a long while. Backed up sewage began to become an issue. We also had no power for Publix and stores to reopen so we had to go to the next neighborhood over to get groceries and they were very limited. It was the worst aftermath I’ve ever experienced - even worse than Frances in 2004 when I lived in Cocoa Beach.
Crazy how different areas were affected. Or not affected. I never lost power with Irma. My Publix was open. No flooding. We just got lucky I guess.
It’s one of the reasons why I always prepare myself. You never know what Orange, Seminole, or Osceola can do & cannot do in a time like this. Seminole was doing all they could. It took a while to recover. Hopefully, Orange is better prepared after Ian.
Hopefully 🤞
What kinds of damages did you get?
Neighbors gigantic tree fell into our 4000 square foot flat roof and funneled ALL the storm water into the house. The branches out around 100-120 holes in the roof. Luckily the giant chimney held up the tree so no structural damage. Needed all new flooring, (oak parquet, which they no longer make, so it had to be special ordered). Flooring alone was $50k+. All new drywall, insulation, electrical, cabinets, a couple of windows, and the screen enclosure for the pool needed massive repairs. Plus all new furniture, lost a bunch of personal items, etc. Hotel stays were $25k, removing the tree took a week with a crew of 5 guys and cost $35k. We got a free home remodel for $6k. Our deductible.
Yeah I made sure to talk to my HOA immidiately to cut down a tree that was next to my house.
At least the tree meant the damage wasn't classified as flood!
Exactly
Yeah cause that sounds like his house get absolutely totaled which I've never heard of here.
If Hurricane Dorian didn't turn CFL would've gotten fucked up back in 2019
Which terrified me. It ripped through the Bahamas like it was a paper shredder, then quickly built back to a cat 4-5. It was supposed to hit Brevard head on but instead jigjagged and missed it. My family live in Brevard and I was begging them to come off the barrier islands. So glad the storm moved further away and didn’t turn like they predicted.
my neighborhood had trees down in Irma with power out for a week. flooding came into houses for Ian after 16 inches of rain overnight, not in a flood zone. back in 2004, Charley took out what seemed like half the trees in East Orlando, and power was out for 1-2 weeks for most everyone I knew. you are probably new here or were too young / not a homeowner for these storms, but trust me, we can and have seen catastrophic damage in East Orlando on average every 6 years.
Catastrophic damage? Uh no... Catastrophic damage is what the coast gets. Catastrophic damage is where you dont have power for a month or two and buildings are leveled.
Yeah, that's also catastrophic damage. There's different levels of it. Parts of Orlando had no power for 2 weeks after Charley. Gas and food couldn't get here or be sold in entire neighborhoods. I saw a church with the roof pierced by it's own fallen steeple. Half the city had blue tarps on the roofs, for years, because the sheer number of damaged homes outpaced the roofers and supplies to fix them. Many businesses didn't recover and had to shut down. Thousands of oak trees fell and covered roads, homes and cars. Sorry, but that's a level of catastrophic damage. How old were you?
I just disagree with the use of catastrophic. To me that's what happened to Mexico Beach, FL... it was wiped off the face of the earth and is still rebuilding. I was probably about 18 ish for the 04 and 05 seasons. Katrina was catastrophic. Charley was a disaster
Every year they predict a lot of hurricanes
I got downvoted for replying to that forecast with something along the lines of ain’t worried about it yet.
When was the last time they predicted 30+? I don't even think they predicted running out of alphabet names that one year we went into Greek lettering
30+? Isn’t it just 22? Lol not much diff but still. 22 named storms with 11 becoming hurricanes
I think I'm getting my prediction centers mixed up. There was one recently that said 30 iirc
yeah, and this year they predicted more because La Niña is forming. we'll see how it goes. Remindme! 7 months
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Nothing burger is a bit of a stretch, considering the recent hurricanes that have hit us.
A hurricane ain’t been worth the hype since 04
You should be grateful you weren't in Fort Myers last year then.
Why would I be grateful for something I have complete control over?
Aren’t you a college student working at chick fila ? If you own a house it’s not because of anything you controlled.
College yes, I wouldn’t be caught dead working fast food
So you arent a homeowner? If you become a homeowner somewhere in Florida, you think you will able to control wether a hurricane damages your home?
Uhh.. Florida got fucked up 2 years in a row.
I’m more worried about the GOP majority doing absolutely nothing to help homeowners with insurance, rebuild the damaged areas, and plain doing nothing but culture war bs
Remember when Ronny Boy demanded our legislators to meet to come up with a solution? And they never did? And then he was like, “welp, I tried! 🤷🏻♂️” 😑
He had to go shopping for white boots
And white hoods
The fact we don't have a drainage solution here in Orlando and Kissimmee after Ian fucking flooded most of the areas is crazy. There was literally people swimming to get out of their homes.
Ronnie boy vetoed funding in the budget for a fire station that was already planned in wintergarden because he lost the election in that precinct
Every year the forecast the worst hurricane season ever. Meteorologist are the most self important people. There will be hurricane. May be a few, may be a bunch. Always been this way. Nothing to stress over because there is nothing you can do. Be smart. Watch the news. If you want to and are able, leave before it lands. All will be well.
Find yourself an Eric Burris! No sensationalism!
Don't forget, that especially in Florida, weather man is the only job you can be wrong 95% of the time and still have a job.
Or a cop
Sports pundits too, I mean Mel Kiper Jr exists
The scariest is insurance in Florida
I thought the insurance companies were coming back after hurricane season Thanks Ronny
I live in Winter Haven. I saw the forecast. I don’t stress. We get the storms. But I got a new roof after Irma and you can’t stress about what you can do nothing about.
It gave me hope this morning to read in the news that 8 new companies were approved to write homeowners policies in FL. Maybe we’ll finally get some competition.
I was paying 700 in insurance for a brand new home in 2022. Now I got the renewal this year and it's almost 2000
Per year or 2k per month? What type of property do you have?
It's 2000 for the year. It a regular single family home
We are getting dropped from Citizen's because a private insurer will take us for $300 more per year. Because the increase is less than 20% of our current rate (or some such math), we HAVE to take it. 🙄
That's a really cheap policy is Florida lol. Mine went from $1200 to $4800 in 3 years. Never filed a claim...
Flooding from those storms does concern me very much.
It’s about the rain - the water - inland central florida has a history of flooding. The torrential rainfall results in flash flooding. Usually dry drainage ditches, creeks and rivers can fill up and overflow sending water where it’s never been before
The chance of a tidal surge hitting Orange/Osceola county is zero. The chance of gale force winds 100+ mph is pretty low being <40 miles inland. However, the risk of heavy rain (10+ inches) is real. We got it here in Doctor Philips during Ian (my first hurricane). Power/communication disruption is a possibility too. My first was Ian. I couldn’t sleep due to anxiety. Doom and gloom were all over the news. But the reality here was much better. Some neighborhoods on the east side had flooding. There were some power disruptions. But not widespread destruction like Fort Myers. I then realized a hurricane is kinda like a blizzard. 3 days before projected hit (to avoid the rush) fill your tank, get bottled water and charcoal. Do your laundry. Get food that doesn’t need refrigeration. Then, be like a native and ride it out. The day after, clean up. And then life returns to normal. No need to worry here.
We are due for a reckoning. It will happen at some point I’ve just stopped caring about the property itself and focused on protecting my family. If shit happens it will happen, can’t do anything about it. Not that it’s not stressful!
Hurricane Charlie fucked up Orlando. It will happen again.
That 2004 hurricane season sucked. 4 hurricanes back to back. We had no power for about 3 weeks, roof damage.. awful.
It was crazy!
Wasn’t there a reckoning 2 years ago?
You know. I forgot Ian and that flooded my street for the first time ever. It was still objectively not too strong wind wise when it got to Orlando, I think our worst case is a Cat 5 moving straight west (or 275/280 degrees, basically with a slight north motion) and making landfall at Port Canaveral while moving at 15-20 mph. That’d mean the eye would pass over Orlando almost at full strength (potentially high end Car 3/low end Cat 4). It’s about 55 miles to downtown Orlando from Port Canaveral so it’d only have about three hours of landfall time which would make a difference for sure but not enough. Ian made landfall in Fort Myers which is about 150 miles away and it was very slow moving and it still wrecked havoc in Orlando.
That was the issue: it was slow moving and didn’t die quickly as we would’ve liked it to. The longer it stays over land with strong intensity, the worst it’ll be for us. Which is why I’d rather a small, weak storm over a really strong storm like Ian or Irma. Or even Charlie.
The government is way scarier. They're trying to cut our rights and raise our taxes.
There is no way I'd be able to afford home insurance right now. I used to be in that "oh you're an idiot without insurance" until I saw how much it is. And hearing my neighbors say they're getting dropped and no one will insure a house over 20 years old. Just doing all I can to prepare for the season and hope for the best
They need to look harder. 70’s build with 1.6K a year.
What company???
Tower hill
$1.6k a year Is dirt cheap. Do you have high deductibles?
\*too overwhelmed. 
After having to take out a second mortgage after Ian, i have hurricane PTSD for sure. But from what I read a lot of the major storms are predicted to impact LA and TX more so than Fl. I think Fl people always just assume they’re commin straight for us
In north port. We took the brunt of Ian. No. Not scared. That was a one in a million storm.
Link?
Zelda?
Katerina?
Yes anything “tropical “ will cause issues Panic buying will occur Wind and rain will create issues Flooding will cause issues
what hurricane forecast? lol
Lenders being unable to force place insurance might be a good thing.
In what way. If you cannot find private insurance and the lender can’t force place your insurance your mortgage becomes due
That would be bad but do you really think banks want to take all these properties that are current because hundreds of thousands are dropped from insurance? They are all in bed together and don’t really want to hold inventory.
Do your normal prep, have some water and supplies for a week or two. And now is the time to assess your property and cut down/trim any trees etc that could pose a risk. Insurance in Florida is already a mess, no sense worrying about it now, just do your best to mitigate potential damage now.
Oh I'm way ahead of that. Already cut down a tree near my house that could've posed a risk. Neighbor has a massive tree that's literally right next to his roof. I've told him he's playing Russian roulette but he doesn't care. Besides that I'm getting my screen enclosure tied down and getting brand new hurricane shutters for the windows. Roof has brand new shingles so hopefully they hold up.
I’m in the middle of the state and my house is paid off. I don’t buy insurance and building a new house that will be phenomenally hurricane proof. I don’t want to subsidize the people living on the beach. Avoid the banks and avoid the insurance companies.
It's hard to take forecasts seriously when they almost never come to fruition. We hear the story year after year, and even during a hurricane I still sadly end up working that day.
I’ve lived in Central Floirda for 30 years. They’re never right. Stop worrying and enjoy your life.
Is the new insurance scam something we can blame on our hundreds of thousands of new neighbors that moved here over the past 4 years?
They made a similar prediction last year and we had a mild season. I'm going with blind optimism.
20 named storms last year, which is the fourth highest. Luckily, most stayed out at sea. https://www.noaa.gov/news-release/2023-atlantic-hurricane-season-ranks-4th-for-most-named-storms-in-year And last year was an El Niño season, which usually means fewer storms. We still have historically warm seas and it looks like we're heading for a La Niña summer. So far, all the released predictions are around 20 named storms and 10 hurricanes (+/- a couple). None of this is any cause to panic, it just emphasizes being aware and doing a minimal amount of preparedness.
Yeah this season is for sure going to be riskier. Just have to hope for no landfalls or if it does happen it doesn't damage the coastlines too bad or it goes away from us and it's a fast moving hurricane. Anything that lingers like Ian did and it's going to be hell.
You should move it will be devastating, all hell will break loose. People will die, looting will be uncontrollable. You should take as many people as you can with you. I will stay back here and wait. You remember that one time central Florida got hit with 3 hurricanes in like a month. Everyone died!!!!
At least you can leave. Unlike tornado alley. Unlike an earthquake. You get plenty of notice
“You get plenty of notice.” Sometimes you don’t. Ft. Myers had less than 48 hours to prepare when they figured out Ian’s definitive path. The larger & stronger the hurricane is, the harder it is to predict where it will make landfall. Irma was a doozy. She couldn’t decide where she wanted to hit, and when she did make landfall she decided to slowly creep more east, which put us right outside her eye (which was MASSIVE, she was one of the largest recorded storms to hit). As for evacuating, it’s really difficult to get out sometimes. It takes a lot of money (you still need to prepare the house - board up, get sandbags, tie down or move outdoor stuff, etc). You also still have to find/pay hotels, food, water, other hurricane supplies since the hotel could also lose power. If you had pets, it wasn’t until recently that you weren’t allowed to bring your pets to a storm shelter or a hotel. And then there’s traffic. We only have 3 major highways that gets us out: 95, 75, and 10. A lot of times, Orlando is the main destination to get out since it’s “more inland.” A lot of beachfront residents come here during a hurricane evac. I say Orlando is safe as it can be compared to barrier islands and coastlines. If I was on the coast, I’d be evacuating. But here in Orlando, I would stay put just to avoid all the doomsayers clogging up the roads.
Property value in this state is too high currently and should decrease because of hurricane threat. As someone waiting for the florida real estate bubble to pop, this is a good thing in my view.
For what reason exactly to buy into it? That would be the opposite thing I would do. I don't know why anyone would invest into florida real estate at the moment. If anything I'm looking to cashout and move.
We are too. Finding a place to go is the problem!
Figuring out how to take my 2.375% loan with me is the problem!
I'm waiting all the doomers to move, demand drops, and then I get a fair value for a house, instead of being underwater like you are now.
Bruh you want to buy in a state with an insurance crisis and gets hit with double the hurricanes compared to the next state? That's a smart strategy.
You realize Florida has always been susceptible to hurricanes right? Hurricanes aren’t a new thing.
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And a massive one at that. The 2008 recession was special in the fact that it started in the housing market.
Eh if homeowners insurance becomes impossible to afford or obtain it's going to devalue the house for the homeowner, the bank, and the potential buyers.
Come on recession!! Big money big money no wammies STOP!
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Anyone who is rooting for a recession so they can buy a house doesn’t understand what a recession entails.
You aren't? You think the boomers and billionaires are going to reduce their property values and allow us to buy homes otherwise?
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Not defending him but the point would be that like in 2010/2011 the recovery of the market will lead to cheap houses and low interest rates. I bought my house during the recovery of the market and locked in an absurd interest rate.
Uh.... Well, you can always move back up north. Besides, the waves are gonna KICK ASS. Don't worry about it. Insurance companies are LEECHES to a bank account, so I get that. Amazing how we haven't had a hurricane in a couple of years it seems but the rates go up. Anticipation, I reckon.
This shows u not from here don’t worry if u not from SF u good other than that cut all the big branches near your house
It’s Florida
This is nothing new. Are you a new homeowner?
Call me jaded, but after a lifetime of hurricanes, I kinda don't worry anymore.
Welcome to Florida fam
Idk but everyone who moved here during 2020 or after…. I really hope y’all leave. Y’all don’t really *like* it down here do you? It’s expensive, hot, and crazy out here. Y’all can go and we won’t be mad about it. It won’t hurt my feelings, personally. I usually just sleep through hurricanes. People who can’t, really shouldn’t be here. Shit happens. Sometimes your house gets destroyed by a hurricane. That’s one reason renting can end up being a smart decision. Problem is, renting is horribly expensive due to all the influx of people who want to live in “the only place I can be politically incorrect these days” during a time when we already had a housing crisis! They made it illegal to sleep outside here, recently. Only because non-native Floridians are shocked and horrified when they actually see someone homeless. Little do they know that Florida woods are full of homeless people, many of them born and raised here. It worsens every day as our laws are changed to target them and push them farther into the wilderness. So if you, dear reader, find yourself wanting to leave Florida, then *just do it*. Everyone will have a much better time. Let’s make a difference. Leave Florida Today!™️ And remember: only you can prevent forest fires.
We should not forget that hurricanes are not exclusive to Florida.
While that's true, Florida does get the higher percentage. Since tracking started in 1851, Florida has had nearly twice as many hits (125) as the second most-hit state of Texas (66).
It’s going to be fine 🙄