Best warm weather place to retire

angeltrue

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There are many northerners retired along the Gulf Coast of Florida. The property taxes are lower for year round residents. There is no state income tax. There is a 7 percent sales tax on non-food items. The cost of medical care is not the cheapest in the USA. Some 55+ communities have organized community sports and social activities. There are also many snowbirds who own winter homes in Florida and do not live here year round. The temperature along the SW Gulf Coast is usually below 95 in the summer as there is water on three sides of the state. There was a rare touch of frost on an early winter morn. This place is close to the tropics with lots of flowering vegetation. Retirees used to have citrus trees in their back yards. Citrus greening disease has eliminated 2/3 of the state's citrus industry.

I would recommend researching area crime rates, tax rates and health care costs before moving to a place. It may be a good idea to visit a place for awhile before buying a home.
I didn't know there was no state income tax - I knew TX didn't.

When we went to CA a lot of people had citrus trees in their yards. I want to grown a garden again. We used to have raspberries, blackberries, tomatoes, green peppers - so I want to find an area with good soil again.
 
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dreadnought

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Thanks. I like the west but I don't want the cold. The older I get the less I can tolerate it. If I was a cold weather person I'd move up to Montana.
I don't like cold either - I get sick easy. It would seem to me that if you really want it warm, you have to live on the coast, or somewhere down south where it really gets hot during the summer.
 
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angeltrue

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I don't like cold either - I get sick easy. It would seem to me that if you really want it warm, you have to live on the coast, or somewhere down south where it really gets hot during the summer.
Yes that's why I've been looking south. AZ gets warm but it's far from the ocean. I find the older I get the worse the cold affects me.
 
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~Anastasia~

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Well the Florida Gulf coast can get cold.

Often I go all winter without a coat. Usually I just have a tightly knit shawl.

But the wind coming off the Gulf at night in winter picking up the humidity - if it's a good wind and a cold night, can be absolutely piercing. I don't live on the beach though and have only experienced that once.

And we've had snow here I think 3-4 times in 35 years. Usually just flurries that melt before they can build on anything, or maybe just sticking to very cold things like cars. But several years ago we had a snow and ice storm that left white frozen stuff on the ground for 3 days. That was a shock though and not something I'd expect to ever happen again, but obviously it could.

Generally winter is very mild and lasts less than 6 weeks. We do normally have several nights - at least - below freezing, and several more in the upper 30sF.
 
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angeltrue

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Well the Florida Gulf coast can get cold.

Often I go all winter without a coat. Usually I just have a tightly knit shawl.

But the wind coming off the Gulf at night in winter picking up the humidity - if it's a good wind and a cold night, can be absolutely piercing. I don't live on the beach though and have only experienced that once.

And we've had snow here I think 3-4 times in 35 years. Usually just flurries that melt before they can build on anything, or maybe just sticking to very cold things like cars. But several years ago we had a snow and ice storm that left white frozen stuff on the ground for 3 days. That was a shock though and not something I'd expect to ever happen again, but obviously it could.

Generally winter is very mild and lasts less than 6 weeks. We do normally have several nights - at least - below freezing, and several more in the upper 30sF.
Do you live in the Pensacola area? That's in the Gulf. We're looking there too - the beaches are beautiful.

How do they handle the hurricanes? Do people stay in their homes and ride the storms out?
 
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drjean

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Thank you. It's hard to choose - we're looking at all areas and trying to avoid hurricanes, sinkholes, alligators, and snakes. I know someone whose relative's house collapsed in a sinkhole. I don't know what causes them.

Well Florida is known for all those things!

Sink holes are caused by the water tables receding. Here in Florida a lot of the fresh water is being used up by mismanagement of population, (and we bring water down through GA)... but the loss of the normal levels under the coral rock base no longer supports the coral rock nor the heavy building on top of the land. In some areas the salt water from the ocean and gulf are filling some pockets but this is not a good thing for our fresh water supply. (fresh as in not salt)

PS Anything north of the Lake Okeechobee is considered yankee land because it gets really cold (to us southerners :D )

In other parts of the country shifting dirt such as caused by heavy building, salt deposits, earth tremors, and I suppose even unmanaged (?) fracking can cause them.
 
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~Anastasia~

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Do you live in the Pensacola area? That's in the Gulf. We're looking there too - the beaches are beautiful.

How do they handle the hurricanes? Do people stay in their homes and ride the storms out?
Close enough to Pensacola, yes. :)

The beaches are indeed beautiful. Not quite as nice as some decades ago but still - sand is almost like sugar. And the water is often shades of blue and green.

Most hurricanes people stay here. It depends on the hurricane and where you live. If you're directly on the beach or in a mobile home, it's a good idea to st least be prepared to head to somewhere else (even local shelters or a friend's house), especially if it's stronger. I wouldn't stay there for a cat 3 or higher, or one that looked like it could become that.

If your house is strong enough (mostly they are) and not in deep danger of flooding or storm surge, most people just make sure they have emergency supplies and stay. I evacuated a few times when my daughter was small for her sake.

Generally you might expect to be without power for a little while. Most times they restore a good percentage within a few days. Water is usually unsafe to drink for a while. So you need food, water, and a few other things to prepare. Most people just keep all that on hand and replenish it every few years so it isn't too old. If you have a generator you're spared a lot of hardship. That's about it.

Since Houston they've been making too big a deal of things, because I think they under-reacted there. Really, there's a common sense way of dealing with hurricanes here, and with good information people are able to make good decisions.

Honestly I prefer it to living in areas prone to severe tornadoes. That has been where I've lived most other times in my life. Hurricanes give you warning, and you learn what to expect and how to handle it.

Though we had one rather harrowing experience when Georges stalled over the Gulf and basically dumped much of the water (the bays were emptied) onto the land. That wouldn't have been too much even, but a plant decided to dump all their ponds in the midst of it, flattening everything in the path (it was a wide creek basin) but also flooding homes in our neighborhood. That was almost a very big lawsuit, but I think they got away with it. No one was injured. But that's a freak situation.
 
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drjean

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Hope you are spared Gordon...he's on his way up there. WE only got it while a tropical wave....really wet and bad as it was... broke a HUGE branch off my front mahogany tree, God was good in that it missed my van! :prayer:
 
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~Anastasia~

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Projections have it making landfall to the west so if they are right, we will expect only tropical storm force winds. Those happen often. We tend to get our lawn chairs blown over. Maybe a few little branches sometimes. We tied down the tarp over the BBQ.

My work was cancelled tomorrow. I think they are being more cautious than need be. The other county is just releasing early. But then again, I had an hour commute scheduled so it wouldn't have been great to me to go in for just a few hours. They are thinking everything will be back on track by Wednesday.

I'm glad no damage from the branch! And thanks for the well wishes. :)
 
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angeltrue

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Well Florida is known for all those things!

Sink holes are caused by the water tables receding. Here in Florida a lot of the fresh water is being used up by mismanagement of population, (and we bring water down through GA)... but the loss of the normal levels under the coral rock base no longer supports the coral rock nor the heavy building on top of the land. In some areas the salt water from the ocean and gulf are filling some pockets but this is not a good thing for our fresh water supply. (fresh as in not salt)

PS Anything north of the Lake Okeechobee is considered yankee land because it gets really cold (to us southerners :D )

In other parts of the country shifting dirt such as caused by heavy building, salt deposits, earth tremors, and I suppose even unmanaged (?) fracking can cause them.
What do you mean mismanagement of population - too many people? So how do you avoid the sinkholes - is there someway of testing the ground to see if they're there?

I'll look Lake Okeechobee up. I can handle 55 degrees but don't want to go lower. I'm not a true yankee! I never belonged in the cold weather!
 
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angeltrue

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Close enough to Pensacola, yes. :)

The beaches are indeed beautiful. Not quite as nice as some decades ago but still - sand is almost like sugar. And the water is often shades of blue and green.

Most hurricanes people stay here. It depends on the hurricane and where you live. If you're directly on the beach or in a mobile home, it's a good idea to st least be prepared to head to somewhere else (even local shelters or a friend's house), especially if it's stronger. I wouldn't stay there for a cat 3 or higher, or one that looked like it could become that.

If your house is strong enough (mostly they are) and not in deep danger of flooding or storm surge, most people just make sure they have emergency supplies and stay. I evacuated a few times when my daughter was small for her sake.

Generally you might expect to be without power for a little while. Most times they restore a good percentage within a few days. Water is usually unsafe to drink for a while. So you need food, water, and a few other things to prepare. Most people just keep all that on hand and replenish it every few years so it isn't too old. If you have a generator you're spared a lot of hardship. That's about it.

Since Houston they've been making too big a deal of things, because I think they under-reacted there. Really, there's a common sense way of dealing with hurricanes here, and with good information people are able to make good decisions.

Honestly I prefer it to living in areas prone to severe tornadoes. That has been where I've lived most other times in my life. Hurricanes give you warning, and you learn what to expect and how to handle it.

Though we had one rather harrowing experience when Georges stalled over the Gulf and basically dumped much of the water (the bays were emptied) onto the land. That wouldn't have been too much even, but a plant decided to dump all their ponds in the midst of it, flattening everything in the path (it was a wide creek basin) but also flooding homes in our neighborhood. That was almost a very big lawsuit, but I think they got away with it. No one was injured. But that's a freak situation.
We were looking at Destin. It's beautiful there but the homes are expensive. I've never been exposed to hurricanes so I'm being wary but my husband was looking at homes there and he said they were built years ago so no hurricane demolished them.

We bought a generator years ago when our electric was knocked out for a week. You don't realize how vulnerable you really are.

Do you think that the Pensacola/ Destin area is basically safe from really bad hurricanes?
 
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drjean

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It only takes one. Sorry, but you cannot live in Florida and expect to not be hit by a hurricane.

The older homes have not been braced for wind WITHIN the house. This was found to be the main problem in Hurricane Andrew in 1992... the roofs were blown off from the force of wind from inside the house when the shutters were torn off or a large window broke. If you buy an older home, make sure the gables and load bearing beams are braced for outward and inwards force winds, and tied into with steel, the concrete load bearing walls.

But living in the northern part such as the Pan Handle you can flee north into other states... you have roads and traffic would span out. Coming from south Florida, too many people wait til work lets them leave and sometimes roads are CLOSED to keep people from being stuck for hours on the turnpike etc in the hurricane. (Sorry, but they need to make it easier for body count and they can do that if you die in your home.) But yeah probably safer in a house than on the road. ;)

But hurricane season is only half the year. The northern part of Florida doesn't generally get that cold... unless you get the northern wind cutting through---and that cuts you to the bone cold!

Yes, mismanagement of population. They need a moratorium here in south Florida as our infrastructure cannot handle the increased building and traffic etc. Our residential building has extended more and more west into the Everglades which causes all sorts of issues... the ground has to be reinforced/packed in (yes they test but the testing is only good for that water table support etc..over time???) and the pythons and alligators are encroaching those homes/yards... even monitor lizards. But a huge issue is water...to drink... and trash to destroy...

I'm a native Floridian and this ain't the state I grew up in any more. :(
 
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~Anastasia~

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We were looking at Destin. It's beautiful there but the homes are expensive. I've never been exposed to hurricanes so I'm being wary but my husband was looking at homes there and he said they were built years ago so no hurricane demolished them.

We bought a generator years ago when our electric was knocked out for a week. You don't realize how vulnerable you really are.

Do you think that the Pensacola/ Destin area is basically safe from really bad hurricanes?
Really bad hurricanes can hit anywhere on the coast of the US - Gulf coast or east coast. Though there is somewhat protection in some areas because the "finger" of Florida can slightly slow a storm and it's less likely to enter the Gulf to strengthen and then turn back on itself ... so the odds may be better further east than Destin down into the curve. It's a minor advantage though.

If you drive on the beach here (it's a barrier island so about as exposed as you can get) ... you see little houses made of concrete blocks that have been there for many decades. The absolute worst they get is water and sand inside. In a severe hurricane anyone on a barrier island should evacuate. You also see tall wooden structures - those can be destroyed. (You basically have to be rich to own one of those - they aren't insurable so you have to be able to lose that amount of money - couple hundred thousand or so.) But the barrier islands get the brunt of the storms and so you see the worst that can happen there.

Inland, there is rarely very much direct hurricane damage. Hurricanes can spawn minor tornadoes and that's what usually causes most damage. The storm surge only travels so far inland so if you aren't right by the water (within a couple blocks - sometimes not that since many areas have bluffs), it's probably not a factor. Most of the homes are built to withstand hurricane force winds. You want to be aware of bodies of water that can rise, heavy limbs or large trees overhanging or too near the home, etc.

It's usually lost power, contaminated water, the inconvenience of many places being closed for days, yard cleanup of tree debris, and unsafe driving conditions for usually less than a day. There are historically around 2-3 major storms per century, I think. Tornadoes, flooding, large trees, and storm surge are the main real dangers, and except for tornadoes the others you can evaluate the safety of a given area or situation. People do die in these storms, but then again - people have hurricane parties on the beach in glass-walled buildings and surf in the storm, or ignore evacuation warnings then change their mind and try to get out when it has become unsafe to travel. Not everyone is the result of something like this, but ... that's usually a big part of it. It's kind of like our shark bite statistics we're up at one time due to people catching them while fishing then dragging them into the boat alive.

But of course nothing is 100% predictable. When you see photos, of course they usually focus on the worst. The barrier islands can get hit hard. Inland the damage is usually minor. My own house is a potential flood issue. The only thing we've had is a very old wooden fence that is past due to be replaced got some sections knocked down by running water. It was a weak fence - other sections fell over not long ago in a tropical storm. And we actually don't have hurricane clips or any other strengthening features. The house is almost 40 years old. It lost a few shingles within the past 20 years. That's about it. I'm about 8 miles inland from the bay.

There are never guarantees though. And I've looked for a place with no natural disasters. I couldn't find any. Myself - I mind hurricanes least of all. They let you know they are coming. I grew up with tornadoes. They scare me, and so does the potential for something like a major earthquake.
 
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