Florida is known for many things, including its 1,197-mile coastline, the longest in the lower 48, vibrant cities like Orlando and Miami, and natural wonders like the Everglades, famous for its rich wildlife diversity. Living there means plenty of pristine beaches, multiple fun adventures, and an affordable cost of living. Like any other place, living in the Sunshine State also has its fair share of drawbacks, and hurricanes, which can cause severe structural damage, are a major concern. However, being affected by this natural disaster depends on where you choose to make your home, the intensity of the storm, and how well-prepared you are. The most hurricane-prone location is Northwest Florida on the Panhandle. If you prefer a small-town lifestyle, here are the safest small towns to live in Florida without hurricanes.
Lake City
Often called “The Gateway to Florida,” thanks to its location right next to the intersection of Interstate 75 and Interstate 10, Lake City is one of the most beautiful towns to live in Florida. It’s also known as “Florida Springlands” due to its proximity to crystal clear freshwater springs. It also boasts its fair share of fun things to do and offers a great blend of relaxation and adventure. Lake City is one of the safest small towns in Florida from hurricanes because it has some of the lowest flooding risks. Its central location in North Florida means it’s far from the ocean.
- Cost of a typical home: $258,174
- Population: 12,340
Ocala
The Horse Capital of the World, Ocala, is known for its multiple horse farms and horse-related attractions. It’s home to Ocala National Forest, Florida’s second-largest and one of the most breathtaking national forests in the US. Just 40 miles south of Gainesville, Ocala also boasts a rich history, and with a cost of living index of 87, it’s one of the most affordable small towns to live in Florida. The town has a healthy job market, beautiful weather, and a welcoming atmosphere. Ocala has one of the lowest risks of coastal flooding and has never been hit by a hurricane, making it a safe haven to make your home.
- Cost of a typical home: $589,261
- Population: 63,504
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Naples
Famous for its fantastic culinary scene, world-class shopping, and incredible culture, Naples is among the safest small towns to live in Florida without hurricanes. Although its cost of living is slightly higher than the average in the U.S. and Florida, Naples offers plenty of perks worth considering. It offers excellent schools, abundant recreational opportunities, and low crime rates.
- Cost of a typical home: $589,261
- Population: 19,134
Palatka
Located in Northeast Florida, Palatka is known for its spectacular natural beauty and has abundant parks and nature preserves, with multiple outdoor adventures, from hiking to paddling. It also boasts a rich history, having been discovered in the 1800s. Its diverse economy, reasonable cost of living, and top-notch public schools make it a great place to live. The town boasts a welcoming atmosphere, a strong community, and a vibrant downtown with unique eateries and shopping experiences. It’s also one of the most affordable small towns in Florida.
- Cost of a typical home: $207,760
- Population: 10,471
Leesburg
Leesburg is one of the safest small towns to live in Florida without hurricanes, with a flood score of 2.04 and a hurricane and tropical storm score of zero. Located between Lake Harris and Lake Griffin, this town boasts some of the most breathtaking and serene natural surroundings, making it a great choice to live in a peaceful atmosphere. Its position near major highways also means access to the most popular attractions in Florida. This town has much to enjoy, including numerous festivals and events, fantastic dining options, and a thriving arts community.
- Cost of a typical home: $292,632
- Population: 27,226
Fernandina Beach
Nestled on the north end of Amelia Island, Fernandina Beach offers a safe environment with one of the lowest hurricane risks. It’s known for its breathtaking natural scenery and offers more than a swimming area. It’s a haven for outdoor enthusiasts to enjoy many thrilling adventures, including kayaking, biking, and horseback riding. It has a crime rate of 9.03 per 1,000 residents, among the lowest in the Sunshine State. It’s a community-driven environment with a warm, welcoming atmosphere and a slow-paced lifestyle.
- Cost of a typical home: $606,933
- Population: 13,028
People have varying tastes and preferences for places to live, but many prioritize safety. While the Sunshine State has many beautiful destinations you’ll be happy to make your home, it’s also prone to hurricanes, which can be off-putting for some potential residents. Fortunately, the safest small towns to live in Florida without hurricanes are a safe haven you can opt for.
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