Second thoughts about Florida

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I wanted to move to and invest in real estate in Florida for along time. I am having second thoughts now, insurance is high, hurricanes can destroy everything, and I just don't feel as confident as I once did. I love Florida but that has always been a place for me to vacation. I live in the Chicago area and hate the cold winters but know the real estate and the areas, wages, real estate values ect. I was thinking of Ocola or Melbourne / Palm Bay but now I am not so sure.
Those who know Florida, what do you say?