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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I’m so glad that insurance companies are finally fed up. I’m paraphrasing from a college class I took decades ago, but before federal insurance in the early 20th century, only cheap fishermen shacks existed at the beach. Why? Because nobody was stupid enough to build a house where it would definitely get blown away. Once somebody else would pay for that nonsense, we started getting ridiculous beach communities. I’m very ready to go back to a time when it’s important to build in safer areas. I got laughed at right here on dcum when I talk about considering get above sea level when moving. It’s something everybody should consider. Low-lying houses near the water increase everyone’s rates.[/quote]

This is why I am trying to understand Northern FL.  I was surprised when visiting Jacksonville that there are many neighborhoods with homes from the late 19th and early 20th century.  It doesn't look anything like Southern FL.

I assume that it is because that area hasn't had hurricanes or flooding.[/quote]

Southern Florida wasn't built out until the 40s and 50s. Prior to the 20th is was all rural swamp with a few small coastal communities [/quote]

Obviously, you also have St. Augustine in Northern FL with structures dating back to the late 1700s.

Again, I am surprised of the longevity of houses in many neighborhoods (not just an isolated 19th century house here and there).  Maybe the style of building was just better, so it's just lucky that the way things were built back in the day also hold up better to hurricanes.
[/quote]

Southern Florida wasn't build up. Northern Florida has older towns and cities which is why PP saw homes from the late 19th and early 20th centuries  [/quote]

I get it...but I assume if the area was hit by say the hurricane that destroyed Ft Myers 2 years ago...that those 19th century houses would get flattened.

However, maybe not?  Just wondering if anyone knows.[/quote]

I'm not as familiar with Jacksonville, but in most of these older cities, the older houses were built on the high ground (our ancestors weren't stupid). It was only after federally subsidized flood insurance that people started building in the flood prone areas. Look at New Orleans. The French Quarter and Garden District did not have much flooding during Katrina. Nothing in FL is particularly high, but if you look at a good topo map, towns like Jacksonville, St. Augustine, and Pensacola were built on the "high ground," which doesn't exist in S Florida. Pretty much everything south of Port St. Lucie and Sarasota was originally swamp.

https://pubs.usgs.gov/sim/3047/[/quote]

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