Best Places To Retire In Florida Without Hurricanes (2022)

Are you looking for the Best Places To Retire In Florida Without Hurricanes? Check out this list of some of the best cities you should explore when retiring to Florida!

Disclosure – I cannot predict hurricanes! This is just some information I have shared based on my experiences living in Florida and previous hurricane data.

My family moved to the state of Florida back in the 80s! So we have been residents of the Sunshine State for a long time! It’s a great place to raise a family and retire.

You may not know this but my husband and I are licensed real estate agents in Florida. We really love Florida and we want to help people find their starter home, dream home, or the home they will retire in!

If you are searching for a warm climate and a place to stretch your social security benefits – this is the place for you!

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Florida is a very popular place to retire because we have so much to offer like easy access to beautiful beaches, theme parks, no state income tax, and so much more.

The scariest part about Florida is the threat of hurricanes and tropical storms. So many people want to retire to Florida but live in an area that doesn’t have hurricanes – so it can be a scary thing to experience.

We have been to many Florida cities – so here are some of the places you should consider if you want to retire in Florida!

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Since I have spent most of my life on the Gulf Coast, I can say that it’s a pretty great area to live in! Even though we are very close to the Gulf of Mexico, the Tampa Bay area has been shielded from a direct hit of a hurricane for many years.

They can get close but we usually just get some rain and wind from the outer bands of the hurricanes. And we may get rising water from the storm surge depending on how close the storm gets to this area.

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Geolojoey, CC BY-SA 4.0, via Wikimedia Commons

Where to Retire In West Central Florida

There are great areas around the Tampa Bay area that are perfect for retirees. Pasco, Hernando, and Citrus counties are to the north of Tampa and give you everything you want to enjoy about Florida.

You can find the perfect retirement community that will give you access to a pool or let you play golf on private golf courses any time you want. Plus some neighborhoods even have restaurants just for residents.

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A very cool community in this Pasco County is called Hidden Lakes in New Port Richey, Florida – this is an airport community. All the houses include airplane hangers and some of the houses are on the runway.

So if you have your pilot’s license – this is a great community for you to live in.

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These counties are a short drive to the white sand beaches like Clearwater beach but if you live in Gulf Harbors, you will pay a small yearly fee to access their private beach. It’s beautiful and never very crowded.

We lived in this community when I was in high school and it was so much fun to jump in the canal and swim with my sisters or load up the boat and spend the day at Anclote Island.

Gulf Harbors is a large community with condos and large and small houses. Many houses have a canal in the backyard that brings you right out to the Gulf of Mexico.

We have a little beach in New Port Richey where we like to kayak. The picture above is from a trip to Green Key Beach.

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In Hernando County, you can swim and kayak with manatees in the Springs of Weeki Wachee and even watch a real-life mermaid show!

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Just a little further north you will hit Citrus County. This county is still tranquil and more affordable, but there is plenty to do!

If you want to spend your Golden Years playing golf on one of the most beautiful courses in Florida you must learn more about Black Diamond Golf Course.

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It is rated the number one golf community in Florida, Black Diamond boasts 45 holes of award-winning golf designed by world-renowned golf course architect Tom Fazio.

In Citrus County you will find the cheapest places to live with all the perks of Florida life. The housing costs are lower and you still have easy access to downtown Tampa via the Suncoast Parkway.

If you go south of Tampa you can look into cities like St. Petersburg, Bayshore, Indian Rocks Beach, and Sun City.

The national average of home costs will vary depending on the area but the further you are from the downtown area, the more you will get for your money!

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Info Eagle, CC BY-SA 3.0, via Wikimedia Commons

Where to Retire in Central Florida without hurricanes?

Central Florida did have a year when they were in the path of many storms. But because it’s in the center of the state, the hurricanes usually lose their strength before they get to this area.

These storms can still have lots of wind and rain and even some tornados – but it is generally a good place to live when a hurricane has its eye on Florida.

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Best Places To Retire In Florida Without Hurricanes

Central has access to big cities and small towns so you can enjoy your retirement.

If you are looking for that small-town feel in central Florida, you must check out St Cloud, Florida. It’s a cute little small town with easy access to theme parks like Universal Studios and Disney World. Downtown Orlando is also a short drive.

This city has a cute little downtown area and many lakes if you like to go out on a boat, jet skis, or go fishing. My grandma lived here for many years and we would visit her all the time to enjoy this quaint little city.

If you go a little further east you will enjoy neighborhoods like Harmony. This is a mixed community with single-family homes, very large homes on the golf course, and townhomes. You will also find lots of outdoor activities like a community pool, lots of lakes, parks, and so much more so that you can spend lots of time enjoying the sunny weather in Florida!

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Lake Nona is a newer community with access to trails and state of the art medical facilities. This community is all about wellness. It’s likely that the community your pick to live in will help you have an active lifestyle with access to large pools, tennis courts, dog walking areas and so much more.

It’s a more expensive community. The median home value of a single-family home is around $655,000 and has seen rapid growth over the past 10 years. It’s an excellent place to live if you are in need of specialized medical care.

If you want to be closer to the Tampa Bay area, Winter Haven is a great community for retirees. You will be in close proximity to major cities like Orlando and Tampa. Plus it is close to Legoland – which your grandkids will love when they come to visit!

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Central Florida is large and is usually known for the Orlando area. But you can also find great places to live in North Central Florida in Ocala, Florida.

According to a new survey released byU.S. News and World Report, Ocala is the 16th best place in the United States to retire.

The survey cited the expansive horse country and vibrant, historic downtown setting as to why Ocala is ranked so high.

Ocala is just off I-75 so it’s easy to hop on the interstate and get to your next destination. It’s about 45 minutes from the college town of the University of Florida and if you like to explore you have easy access to Ocala National Forest!

Best Cities To Live In On The East Coast Of Florida

The Atlantic ocean produces more hurricanes during hurricane season. Cities like Vero Beach, Boca Raton, Fort Lauderdale, West Palm Beach, and the Florida Keys get a lot more hurricane threats.

But if you go further north to cities like St. Augustine, Daytona Beach, and Ormond Beach, you can find nice little retirement communities.

You can check out this map that shows all the hurricanes that have been around Florida. You can see more in South Florida on the Atlantic Coast vs other coasts. But with the constant changing of the weather – you never know where the next big hurricane will hit!

(Video) Retiring in Florida Pros and Cons

So move to your favorite city like Fort Myers or Cape Coral if that is the area you know and love! You moved down here for the warm weather and the quality of life.

Pick your favorite coastal town and enjoy it. And one of my favorite parts about living in Florida is that I can vacation where I live! I can take a trip to Kennedy Space Center or enjoy all the miles of beaches.

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Fun Facts About Florida:

Cost of living – this number will vary greatly all over the state. The pandemic has caused many people to move to Florida which has caused home purchase and rental prices to get really high.

If you are planning to move to Florida – start as early as possible and work with a Realtor that can give you good advice and watch for exactly what you want.

If you need a Realtor, you can contact my husband if you are looking for a home in central Florida. Or if you are going to move to another part of Florida – he can help you find the best agent!

According to Statista, the median home price in the state of Florida was $348,000 U.S. dollars, up from 145,000 U.S. dollars in 2012. Despite this consistent growth in home prices, the volume of single-family homes sold in the state stagnated between 2015 and 2018.

(Check out this article about prices in Florida.)

If you are moving from the United Kingdom to the United States – you can calculate your payment with this mortgage calculator to help you know how much it would cost to move to Florida! Or this will help you estimate your mortgage affordability.

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Florida has a city called Niceville and it’s one of the safest places in Florida. Check out this list to see where your favorite city is listed. Satellite Beach is known for its low crime rate.

Florida is the 26th largest state. 65,758 square miles, The largest city in Florida based on population is Jacksonville, Florida.

Now that you have a better idea about the best places to retire in Florida without hurricanes, you can grab your golf clubs or pack your bathing suits and enjoy the white-sand beaches Florida has to offer!

Make sure you follow Denis Phillips. He’s the weather guy in Florida that will give you facts and not scare you!

Need some ideas? Check out this list of 10 things we like to do in Florida!

Have you retired in Florida? What’s your favorite city?

(Video) Places to Retire in Florida • Clermont, Fl

Best Places To Retire In Florida Without Hurricanes Disclosure – There is no place in Florida that is 100% hurricane proof. Each city has been hit by a hurricane or tropical storm in the past. New houses are built better to withstand strong winds. And it’s important to have a plan in place no matter what part of Florida you live in!

FAQs

Which part of Florida is least affected by hurricanes? ›

The Least Hurricane-Prone Areas in Florida

Take Northeast Florida for instance. This large area has seen just 26 total hurricanes, including just a single Category 3 since the scale was introduced 167 years ago. That means, on average, Northeast Florida gets hit by a hurricane every 6.5 years or so.

What is the safest place to retire in Florida? ›

Safest Places to Retire in Florida
Metropolitan Statistical AreaCrimes Per 100,000 Inhabitants
1.The Villages, FL M.S.A.1,817
2.Punta Gorda, FL M.S.A.2,025
3.Naples-Marco Island, FL M.S.A.2,392
4.Sebastian-Vero Beach, FL M.S.A.2,590
18 more rows
8 Jul 2022

Where in Florida has the least natural disasters? ›

Florida's Safest Cities for Severe Weather
  • Kissimmee. Kissimmee tops our list of safest cities in the Sunshine State with the lowest combined score relating to instances of hurricanes, hail, lightning, and floods. ...
  • Clermont. ...
  • Lake City. ...
  • Sanford. ...
  • Stuart. ...
  • Palatka. ...
  • Sebastian. ...
  • Port St.
19 Mar 2015

Where do hurricanes hit the hardest in Florida? ›

1. Southeast Florida (Miami-Fort Lauderdale-West Palm Beach) Southeast Florida is very susceptible to hurricanes, given its location at the tip of the state. Most large hurricanes affect Southeast Florida with storm surges and plentiful rain – and those that make direct landfall can cause severe damage.

Where is the safest place in Florida weather wise? ›

Safest Cities Overall
  • COOPER CITY, FL. Safety Score:96.7. + Population:36,896. Property Crimes (per 100,000):1,174. ...
  • WESTON, FL. Safety Score:96.6. + Population:71,744. ...
  • SEBASTIAN, FL. Safety Score:95.3. + Population:25,672. ...
  • PORT ST. LUCIE, FL. Safety Score:94.8. + ...
  • PORT ORANGE, FL. Safety Score:94.1. + Population:64,208.
26 Sept 2022

What are the negatives of retiring in Florida? ›

List of the Cons of Retiring in Florida
  • It may be challenging to find a retirement community that suits your needs. ...
  • The sales tax must be managed to protect your retirement income. ...
  • Medical care access is below average in Florida for retirees. ...
  • The costs of living in Florida will continue to rise.
2 Oct 2019

What is the number one place to retire in Florida? ›

While historic Charleston, South Carolina, takes first place, Orlando, Florida, ranks a close second. The survey ranked 182 cities based on four key categories of equal weight: affordability, activities, quality of life and health care. Their analysis also assumes a retiree will be living on a fixed income.

Where is the nicest but cheapest place to live in Florida? ›

Cape Coral

It's easily one of the most affordable places to live in Florida. It's also one of the safest cities in Florida, with one of the lowest crime rates in the state. The median cost in Cape Coral is about $290,700, below the Florida and US averages.

Where do most snowbirds live in Florida? ›

The Best Communities in Florida for Snowbirds
  • West Palm Beach. East Coast Florida and Miami. Florida's east coast has the highest concentration of long-stay properties, and for good reason. ...
  • Fort Myers. West Coast Florida and Tampa. ...
  • Central Florida and Orlando. There are 37 golf courses in the vicinity of Orlando.

What is the nicest and safest place to live in Florida? ›

North Palm Beach

In North Palm Beach, crime rates are lower than in other Suburban areas, nationally and statewide. The total crime rate here is 9 per 1000 people, which is 64% lower than Florida's average total crime rate, making it a safe living place.

Where is the best and cheapest place to retire in Florida? ›

St. Augustine is the best place to retire in Florida if you're on a budget as the city has everything for which Florida is known – sandy beaches, mild weather, and a low cost of living – with an added cultural flair.

Does any part of Florida not get hurricanes? ›

A common misconception in Florida is that there are parts of the state that do not get hurricanes. Since 1850, all of Florida's coastline has been impacted by at least one hurricane. With its long coastline and location, Florida frequently finds itself in the path of these intense storms.

What side of Florida gets more hurricanes? ›

Florida's southeast coast and panhandle are particularly susceptible to landfalling hurricanes. Ian is aimed at the less-struck western coast of Florida, near Tampa Bay. The Tampa Bay area has not been hit by a major storm in more than a century.

Is any part of Florida safe from hurricanes? ›

No there is not. ALL of Florida is subject to hurricanes: at the coasts or inland. Hurricanes can be up to a few hundred miles in diameter, though they are usually smaller than that.

What beaches have no hurricanes? ›

The “ABC Islands” of Aruba, Bonaire, and Curacao are the classic destinations to go to avoid hurricanes—off the coast of South America, they're about as far south in the Caribbean as you can get. Aruba offers gorgeous white sand beaches, top-notch restaurants, and an arid climate that's lovely year-round.

Does the Gulf side of Florida get more hurricanes? ›

While no portion of Florida's extensive coastline is immune from hurricanes, some areas are far more hurricane-prone. Overall, the Gulf Coast has a higher incidence, due to its greater expanse from the western tip of the panhandle all the way east, then south to the Everglades.

Is Naples Florida safe from hurricanes? ›

These risks are disproportionately shouldered by metropolitan areas along the Eastern Seaboard and along the Gulf of Mexico. Located on the Gulf Coast in southern Florida, Naples is at risk of considerable hurricane damage.

Where is the best weather in Florida year round? ›

These 10 Cities In Florida Have The Best Weather In The Entire...
  • Bonita Springs. Bonita Springs, FL, USA. ...
  • Fort Myers. Fort Myers, FL, USA. ...
  • San Carlos Park. San Carlos Park, FL, USA. ...
  • Lehigh Acres. Lehigh Acres, FL, USA. ...
  • Punta Gorda. Punta Gorda, FL, USA. ...
  • Immokalee. Immokalee, FL 34142, USA. ...
  • Iona. Iona, FL, USA. ...
  • Marco Island.
28 Apr 2022

Where in Florida is it 70 degrees year round? ›

Sarasota, FL

Frequently recognized as one of the best places to live in the U.S. and one of the best places to retire, the Florida Gulf Coast city of Sarasota offers warm weather throughout the year with summer temperatures in the 80s and 90s and winter temperatures as high as 70 degrees.

What part of Florida has the best year round climate? ›

Warm winter temperatures, particularly at Daytona Beach, Gainesville, Key West, Orlando, Tampa and Vero Beach make Florida's weather most inviting, while summertime highs average in the low 90s. These places usually receive 45 to 50 inches of rain a year.

Are retirees moving out of Florida? ›

Even before the pandemic, some retirees found that Florida wasn't the paradise they thought it would be. In 2019, about 145,000 retirees moved to Florida, according to a study by SmartAsset, but an estimated 78,500 older people left the state that same year.

Which coast in Florida is better to retire to? ›

If you are searching for the best beach town to retire in Florida, then you should consider Sarasota. Along the Gulf Coast just 60 miles south of Tampa and 77 miles north of Fort Myers, lays one of the most vibrant and perfect places for retirees.

How much money do you need monthly to retire in Florida? ›

You will need a few sources of income coming in monthly to pay for these costs: Social Security Income: A couple together would bring in an average of $3,086 per month. Level Income Annuity: $175,000 in retirement savings would generate the additional $743.00 a month for life.

Is it worth retiring in Florida? ›

Moving to the Sunshine State could save you a lot of money in taxes. Florida, one of our 10 most tax-friendly states for retirees, has no state income tax. That means no state taxes on Social Security benefits, pensions, IRAs, 401(k)s and other retirement income. It also has no inheritance tax or estate tax.

What state is #1 to retire? ›

Michigan ranks as the most affordable state to retire in 2022, according to a recent Bankrate analysis. This is due to a low cost of living and light tax burden for residents.

What are the pros and cons of retiring in Florida? ›

Retiring in Florida Pros and Cons
  • Plenty of outdoor recreation. With more than 1,250 golf courses throughout the state, active adults will never get tired of teeing off. ...
  • A low cost of living. ...
  • Florida offers urban and rural living. ...
  • It's hot. ...
  • Wildlife. ...
  • Mother Nature. ...
  • Visitors.

Which side of Florida is best to live? ›

14 Best Places to Live in Florida
  1. Naples. Nestled in the southwest corner of Florida, along the Gulf of Mexico, Naples holds the top spot for places to live in Florida. ...
  2. Sarasota. ...
  3. Melbourne. ...
  4. Jacksonville. ...
  5. Pensacola. ...
  6. Tampa. ...
  7. Fort Myers. ...
  8. Port St.
12 Sept 2022

Where is the cheapest beachfront property in Florida? ›

Fort Pierce is the most affordable place to live in Florida near the beach, offering gorgeous views of the Atlantic Ocean.

What is the cheapest way to be a snowbird in Florida? ›

Downsize a Current Home

Moving to a one- or two-bedroom home can save money. Snowbirds looking to stay on a budget may choose to spend more money on a new home in a desired area and downsize a current home. Downsizing means moving to a smaller home, which generally costs less, both in price and maintenance.

Where is the cheapest place to be a snowbird? ›

Most Affordable Snowbird Destinations: The 25 U.S. Cities With Warmer Winters and the Most Affordable Vacation Rentals
  • Clearwater, FL. ...
  • New Smyrna Beach, FL. ...
  • Haines City, FL. ...
  • St. ...
  • Pahoa, HI. ...
  • Cocoa Beach, FL. ...
  • Rotonda West, FL. ...
  • Charleston, SC.
1 Feb 2020

How much does it cost to snowbird in Florida? ›

Florida (East Central Coast): $2,800-$6,000 (condo); $3,200-$9,000 (single family). Florida (Panhandle): $800-$2,200 (condo); $1,100-$3,500 (single family). Florida (South): $2,500-$8,000 (condo); $5,000-$12,000 (single family).

Where is the most comfortable climate in Florida? ›

When it comes to the city in Florida with the best weather, many experts point to Vero Beach. Located on the Atlantic coast, Vero Beach has the perfect climate and location to enjoy for living, vacation, or retirement. This is both due to the white sandy beaches, as well as the overall average daily temperature.

Where is the most peaceful place to live in Florida? ›

Now let's get to it!
  1. Satellite Beach. Kicking off the list as the number one city in Florida with the lowest crime rate is Satellite Beach. ...
  2. Key Biscayne. The next safest city in Florida is just outside of Miami. ...
  3. Marco Island. ...
  4. North Palm Beach. ...
  5. Parkland. ...
  6. Naples. ...
  7. Lynn Haven. ...
  8. Oviedo.
8 Sept 2022

What is the friendliest town in Florida? ›

Visit Gulfport, Florida, The Friendliest Town In The State.

Where can I retire on $2500 a month? ›

McAllen made the No. 1 spot as the best city to retire on a monthly budget of $2,500 or less by offering the most budget-friendly expenditures compared to the rest of the U.S. and the top livability score among these 11 cities. Rent averages $1,042, $885 less than the U.S. mean.

What is the number 1 place to retire in the world? ›

Panama. Not for the first time, Panama tops the list of the world's best places to retire. Located away from Central America's hurricane belt, its warm tropical climate is tempered by breezes from the Pacific Ocean on one coast and the Caribbean Sea on the other.

Where is the cheapest place for seniors to live in Florida? ›

Palm Bay

Just south of Melbourne along the Atlantic Ocean is Palm Bay, an affordable option for Florida retirees. The costs of rent ($1,189 monthly average), groceries, healthcare and utilities all are lower than the national average.

What part of Florida is least humid? ›

During the winter, north Florida and the Panhandle is much less humid than South Florida due to colder winter temperatures. Remember, colder air holds much less water vapor than warm air, so the colder parts of Florida will be less humid that warmer areas further south.

How far inland do hurricanes go in Florida? ›

How far inland do hurricanes go? Hurricanes can travel up to 100 – 200 miles inland. However, once a hurricane moves inland, it can no longer draw on heat energy from the ocean and weakens rapidly to a tropical storm (39 to 73 mph winds) or tropical depression.

Is Sarasota Florida safe from hurricanes? ›

Sarasota County has a high natural disaster risk score of 55%. Over the past 20 years, 35 disasters have been declared by the county, most of which related to Hurricane incidents. 53% of Sarasota County has a moderate or higher wildfire hazard potential, while its 4% average earthquake risk score is very low.

What city in Florida has the least hurricanes? ›

Safest Places to Live in Florida From Hurricanes
  • Leesburg. Leesburg, Florida is considered one of the safest places in the state when it comes to the risk of hurricanes. ...
  • Orlando. If you're looking for hurricane-safe Florida cities, you'll want to check out O-Town. ...
  • Sanford. ...
  • Kissimmee. ...
  • Palatka. ...
  • Lake City. ...
  • Naples. ...
  • Ocala.
25 Nov 2021

Does Clearwater Florida get hurricanes? ›

The North Atlantic Ocean Hurricane Season, that includes the storms that would hit Clearwater Beach, actually started back in June and continues through November. The peak of Clearwater Beach Hurricane Season begins in mid-August and continues through September.

Which parts of Florida are most often hit by hurricanes? ›

The Panhandle has been one of the most active centers for severe storm activity in Florida in recent years, suffering a major storm approximately every two years. One of the most powerful and destructive hurricanes to ever hit the Panhandle was Hurricane Michael, which struck the area in the fall of 2018.

Where do hurricanes hit the hardest in Florida? ›

1. Southeast Florida (Miami-Fort Lauderdale-West Palm Beach) Southeast Florida is very susceptible to hurricanes, given its location at the tip of the state. Most large hurricanes affect Southeast Florida with storm surges and plentiful rain – and those that make direct landfall can cause severe damage.

Does any part of Florida not get hurricanes? ›

A common misconception in Florida is that there are parts of the state that do not get hurricanes. Since 1850, all of Florida's coastline has been impacted by at least one hurricane. With its long coastline and location, Florida frequently finds itself in the path of these intense storms.

Is any part of Florida safe from hurricanes? ›

No there is not. ALL of Florida is subject to hurricanes: at the coasts or inland. Hurricanes can be up to a few hundred miles in diameter, though they are usually smaller than that.

What beaches have no hurricanes? ›

The “ABC Islands” of Aruba, Bonaire, and Curacao are the classic destinations to go to avoid hurricanes—off the coast of South America, they're about as far south in the Caribbean as you can get. Aruba offers gorgeous white sand beaches, top-notch restaurants, and an arid climate that's lovely year-round.

What part of Florida is least humid? ›

During the winter, north Florida and the Panhandle is much less humid than South Florida due to colder winter temperatures. Remember, colder air holds much less water vapor than warm air, so the colder parts of Florida will be less humid that warmer areas further south.

How far inland do hurricanes go in Florida? ›

How far inland do hurricanes go? Hurricanes can travel up to 100 – 200 miles inland. However, once a hurricane moves inland, it can no longer draw on heat energy from the ocean and weakens rapidly to a tropical storm (39 to 73 mph winds) or tropical depression.

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