As a side note, Floridas current insurance issues are mostly caused by other factors besides the increase in severity and frequency of natural disasters however (roofing scams and no caps on lawyers fees for claims, both results of bad government policy that resulted in most insurance companies leaving the state and the remaining ones raising rates to account for having to pay for all of the roofing scams and absurdly high attorney fees on simple claims). 

When this Policy applies, guests can cancel their reservation and receive a refund, travel credit, and/or other consideration regardless of the reservation’s cancellation policy, and Hosts can cancel without fees or other adverse consequences, although their listing’s calendar will be blocked for the dates of the canceled reservation...What Events Are Covered...Government travel restrictions.

The bill, introduced by Assemblyman Isaac Bryan (D-Los Angeles), would require local governments to update hazard mitigation plans to address extreme heat by January 1, 2028.CAA’s concerns center around the potential for costly retrofitting mandates, particularly for older buildings not equipped for modern HVAC systems.

I'm lucky to have a stable government job with a decent salary. 

You could consider house hacking to reduce out of pocket expenses.It’s definitely an appreciation play not a cash flow play but with the federal government here appreciation is consistent - you won’t get super high appreciation like some places but also don’t get high depreciation as well.

Some of them work in government.

Government Policies and IncentivesTax Breaks: Governments sometimes offer tax incentives to real estate investors in certain areas, such as Opportunity Zones.

Watch the local newspaper, browse local and state government websites, and keep websites like the HUD Home Store bookmarked, which will alert you to up-and-coming properties.Attend local eventsLocal events such as community gatherings, property auctions, or real estate investment meetups are excellent places to discover off-market deals.

Depreciation, and if it will increase your property tax.Find out what will be your new insurance requirements, and verify your lenders  are aa onboard with this transfer.Add up your resident agent fees, and find out the yearly costs for PO boxes if needed, plus the yearly cost for corporate formalities for each shell.The Federal Government now requires every entity to file with them yearly, the owners of the shells.

It’s just 7 miles from the beach, 2 miles from a large new hospital and medical campus, and within 2 miles of the county government offices.