Storms do affect us, but there has been no recorded direct hurricane hit on Apollo Beach in 100 years of records. In 2024, Helene brought the water and Milton brought the wind. Lower-lying waterfront homes in older parts of Apollo Beach, Ruskin and Little Harbor took on water, and homes built up higher mostly did not. That's why I start every waterfront conversation with elevation and flood insurance. One tip most people learn too late: you can't buy flood insurance once a named storm is coming, so set it up at closing.
My full hurricane preparedness guide for Florida homeowners is on my site: https://relocatingtoparadise.com/hurricane-preparedness/
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