And you pay a lot for that insurance. Often to only have some home and flood insurance companies each declaring that it was the opposite of what they insure that caused the damage. That went on for years on the Gulf Coast after Katrina and in other areas. So many gave up and moved away or just paid to redo themselves. Be sure you have an up to date inventory of all you have invested in the home, its contents, current value, photos, etc.
There’s a lot of preparation for a hurricane. I suppose if you live on an upper floor of a condo and only have to bring in your patio furniture, close the hurricane shutters, and drive away, and the association is responsible for the exterior (for which you may be accessed), that would be easier. You need to decide to leave early or you’ll be backed up in traffic. Have boxes stored with necessary grab and go items. Have a place to go. Fill the tubs with water to flush the toilets with if you get back and there is no power, etc., etc. Often you are not allowed back (especially onto a barrier island) for days, weeks after a major storm, of which we are going to get more and more of. I think it was a month after Hugo for the islands here. When you get back, if nothing else, your beach view may be gone. That’s another accessment if they are even allowed to bring sand back in.
And more frequently now, without a hurricane, there is flooding. I’ve watched it crawl further inland and higher up over the years. You may have a house high enough off of the ground but what good is it if you can’t get to it?