Key Hurricane Questions When Buying Home in Florida,
Buying a Home in Florida? Key Hurricane Questions to Ask
Thinking of buying a home in Florida? You’re not alone. But before you make an offer, be sure to ask the right questions—especially about hurricane readiness.
Florida’s beauty comes with a side of storm season. Knowing how well a property is prepared can save you money, stress, and even danger.
Here’s what you need to ask before signing the dotted line.
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Does the Home Have Impact-Resistant Windows and Doors?
Hurricane-force winds can shatter regular glass. Impact-resistant windows and doors are designed to withstand strong gusts and flying debris.
Bonus Tip: Ask for the installation year and check if they meet current Florida Building Code standards.
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What Kind of Roof Does the Home Have?
A roof is your home’s first line of defense. Newer roofs built after 2001 are usually more secure due to updated codes.
Ask about:
- Roof age
- Materials (metal, tile, shingle)
- Hurricane straps or clips
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Is the Home in a Flood Zone?
Flooding is common in coastal and low-lying areas. Check FEMA flood zone maps and ask for the home’s elevation certificate.
Also, find out the cost of flood insurance—it can vary greatly depending on location.
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Has the Home Had Hurricane Damage Before?
Ask the seller or realtor for a history of storm damage or repairs. This can help you assess risk and potential future issues.
Request disclosure documents for transparency.
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Are There Hurricane Shutters?
If the home doesn’t have impact windows, shutters are the next best thing. Manual, accordion, or roll-down shutters all offer protection.
Ask:
- What type of shutters are installed?
- Do they cover all openings?
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What’s the Homeowner’s Insurance Premium?
Hurricane-prone areas often come with higher insurance costs. Ask the seller or agent for a current premium estimate.
Use that number in your budget planning to avoid surprises.
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How Does the Neighborhood Handle Storms?
Some communities have strong HOAs with preparedness plans. Others may offer generator-ready homes, elevated lots, or community shelters.
Local tip: Inquire if the power lines are underground. It makes a big difference after a storm.
If the home isn’t fully storm-ready, talk to your realtor or inspector about what can be added.
Suggested upgrades:
- Reinforced garage doors
- Roof tie-downs
- Backup generator
Expert Insight from Laura Graves
“Storm preparedness isn’t just about safety—it’s about smart investing,” says Laura Graves, South Florida’s top luxury home expert. “Knowing what to look for can protect your family and your finances.”
Don’t Buy Blind. Be Ready.
When you know what to ask, you can shop with confidence—even in a hurricane zone. Let us help you find a beautiful, storm-smart home in Florida.
📍 Explore homes built to withstand Florida weather:
👉 Browse hurricane-ready listings
📞 Have questions? Contact Laura Graves for expert advice on buying in Florida’s storm-prone regions.
