Miami Florida Metro Area home insurance, flood insurance, other costs

[Nicholas A.]

Hey Everybody,

I created this post because I have been hearing about all these rising costs of living and investing in Florida and I want to see what is true and what isn't. I would appreciate any opinions and input!

This includes:

-Home insurance. Is it going up? If so, how much? Is it hard to get good coverage now?

-Flood insurance. Is it mandatory now? What's the cost?

Can you actually live in the Miami metro area and avoid floods and hurricane damage?

-I hear condos are now charging outrageous amount of money for association fees and costs and people are selling their properties on account of this. Is this true?

Again any input would be appreciated. I want to actually hear it from people who have experience with the area and who know what's going on. I suppose I don't trust hearsay and the media as much as I used to.