You mean living on FL or really any coastal area? One of the keys, one of the beautiful places off Belize?
I lived in a place on lake Austin that was designed for flood. The entire lower floor was cinder-block. No drywall. Electrical would get screwed, but it was a pretty easy repair. It's flooded once in my 20+ years here. Not a big deal. With the late at 37%, we'll take a hurricane.
Central America has mastered "hurricane design" - concrete structures that are designed to "blow through" - take out everything on the inside, but the structure remains and you basically start from the (concrete) framing to rebuild after a Cat 5+.
I dunno. Can't live in paradise without taking a risk.
Well, with your one home you have "cured" the flood issue to some degree. Raise the house a couple feet, build a dike, do something a bit more permanent to help avoid flooding. I realize if you are in Florida it can be difficult. I have seen places where the lower level is pretty much garage, and the upper is living area. I don't call paradise a place where mother nature wants to relocate my house down every few years! I have been to Florida. IMO, it isn't paradise, but I understand many think so. I would rather deal with snow!
Myself, I would not have the patience for it. Here, people built along the river for years, then complained about getting flooded while I sat in my 50's rambler, high and dry a half mile away. Gee, I wonder, build in a flood plane, then ***** about getting flooded? FEMA took care of it around here a few years back. They declared certain areas river flood planes and no buildings allowed. Funny how Uncle Sam had to explain it to some people!