Florida is home to white sandy beaches and is the boating and fishing capital of the U.S. As Florida proves to be even more attractive with no state income tax and a relatively low cost of living, prospective homeowners must also consider the hurricane period that sets off in June all through November. If you plan on buying a home in Florida during the hurricane season, here are three things to consider.

1. Annual Maintenance Costs

One of the most important things to consider when buying a home is the cost of annual maintenance. This should be between 1 percent to 4 percent of the purchase price anywhere else around the country, but in Florida, it could be more. During the hurricane season, homes require more frequent maintenance and repairs, so make sure you have an accurate estimate of how much you'll need to budget each year for maintenance and repairs on your new property.

2. Evaluate Your Insurance Needs

Another critical factor to consider when buying a home in Florida is insurance. Flood insurance is a must, as is wind damage insurance, but you'll also want to make sure your policy covers hurricane damage. The cost of homeowners insurance can vary greatly depending on where the home is located, so be sure to get quotes from multiple providers before deciding.

3. Consider the Strength of Windows During Hurricanes

Windows are one of the most common entry points for wind and water damage during a hurricane. Ask about the strength of windows when looking at homes, and be prepared to pay more for windows that can withstand high winds.

Do You Want to Buy a Home in Florida?

If you're looking for a home in Florida, remember that some areas are more prone to hurricanes than others. Talk to a local real estate agent about the hurricane history of various neighborhoods and be prepared to pay more for homes in areas known to be at higher risk of damage. And if you’d love to work with a professional real estate team, reach out to us today at (239) 229-1339.