wrote in message ...

The insurance is expensive enough that my likely damage from a foot or
two of water would be about 10-15 years of premiums and we have a 100+
year flood free history. That is one reason I bought here.

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Not really flooding, but when we were considering buying a house in
Jupiter, Florida, a few of my friends said, "What about the
hurricanes?"
Andrew was still fresh in peoples' minds.

I did a little research and discovered that the Jupiter area had not
had a direct hurricane hit in 100 years. Realizing how long the
coastline of Florida is, I determined that the chances of a hurricane
were actually small. So, we bought the house. In fact, we bought
two houses in the same development. one more as an investment (and an
escape for me from the other house and property that was dedicated to
Mrs. E's horses.)

A year later, we had three damaging hurricanes within 14 months.
Charlie was the first. It was a near-miss but was close enough to
cause a lot of wind damage. Because there had not been a hurricane in
the Jupiter area for so long, there were a lot of downed trees and
lots of roof damage. Then, a month later, Hurricane Jeanne hit. Not
a severe hurricane but enough to cause a lot of roof damage again on
many homes.

Then, in November of 2005, Hurricane Wilma. Direct pass of the eye
over Jupiter, causing more damage.

I now conclude that the fact that a storm hasn't hit in 100 years
means it's long overdue.