Plus we are extremely close so we take care of each other, no questions asked, when tough times come.

While I do think that extreme climate is something we all will have to contend with, I think the area will always be popular as a vacation destination.Having said this, I am thinking about looking for a STR in the area. 

Definitely should check out J Scott's book on estimating rehab costs: https://store.biggerpockets.com/products/the-book-on-estimat...I wrote a long article a while back on due diligence that would also be worth reading (well, at least I think it is): https://www.biggerpockets.com/blog/due-diligence-ultimate-gu...

When I looked at Proper Insurance (their rates were extremely high), by eliminating the wind coverage they said I would not get loss of income if it was related to wind.  

Verifying last 2 years of rental history and income extremely important to find the “best of the worst”.Make sure you understand the Class of properties you are looking at and the corresponding results to expect.The City of Detroit has 183 Neighborhoods we’ve analyzed.PM us if you’d like to discuss this logical approach in greater detail!

I agree that the influencer would have to be a fit for your product or house.

Investors looking for palatial mansions with ocean views, extreme privacy, and access to Hollywood's elite find Los Angeles the ideal place.

That is an extremely risky proposition.

I'm extremely open and willing to share everything that I do.

Get a title search, or see if the county does one and if you can get a copy; it may be considered attorney work product and non-public, but you can always ask.Also, see if you have any local investor groups and if so, if anyone has experience and can walk you through some of it.