Anonymous wrote:florida is the future. wish i had the $$$ for a secomd home in miami

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Anonymous wrote: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.

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.

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

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.

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

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.

Hurricanes don't flatten houses except in very rare cases and in small areas of high-end storms (Andrew, Michael). The bigger problem is storm surge flooding on the coast and wind damage to roofs that allows in water and therefore mold.

Anonymous wrote:florida is the future. wish i had the $$$ for a secomd home in miami

Anonymous wrote:All insurance companies should bail out of FL. They are driving up rates for the rest of us. The state can create their own insurance program and manage it themselves.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote: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.

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.

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

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.

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

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.

Anonymous wrote:All insurance companies should bail out of FL. They are driving up rates for the rest of us. The state can create their own insurance program and manage it themselves.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote: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.

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.

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

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.

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

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.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote: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.

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.

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

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.

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

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.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote: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.

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.

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

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.

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

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote: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.

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.

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

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.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote: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.

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.

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

Anonymous wrote:

Anonymous wrote:If you look at the construction of large high-rise condos over the past decade, the first 4-8 floors are above ground parking garage. You don't even get to the "lobby" until 9th or 10th floor of the building. And then the condos stretch from the 11th floor up to the 40th/50th/60th floor.

The ground level is simply a nice elevator bank, landscaping, and concrete. Lots pumps you can't see to move water away from the building.

This is the only way I would own a place in Florida. It will be all vertical and off the ground. The underground parking garages all around Miami are getting flooded out - you'll see videos on social media of floating Lambos and G-Wagons in brown water in the parking garage, completely ruined - a total loss.

It's insane.

Yeah but those beach towers aren’t sitting on bedrock like in Manhattan. The geology is like Swiss cheese filled with water. The shoreline changes with a big hurricane and just a few years of erosion and that’s curtains for them. Maybe someone will resort to actually floating structures there.

Anonymous wrote:

Anonymous wrote: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.

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.