Best Places to Retire in Florida without Hurricanes

Are you looking to retire in Florida? It’s a fantastic place to relax and spend your retirement years! The weather is warm, there is plenty to do, and retirement facilities abound. However, it’s not perfect either, as it’s also well-known for its hurricanes. The good news is that although there are no parts of Florida that are “hurricane free”, Florida has quite a few cities and towns where the risk of hurricanes is low.

These areas are perfect for retirees who want to enjoy all that Florida has to offer without the constant worry of severe weather. In this article, we’ll take a closer look at some of the best places to retire in Florida where the hurricane risk is low. 

Why Florida is a Great Place for Retirement

Florida is a popular retirement destination, and it’s easy to see why. The state is known as the “Sunshine State” for a reason. It has warm weather and plenty of sunshine year-round. This makes it a perfect place for those who want to enjoy an active lifestyle and lots of outdoor activities in their golden years. You can go for a walk, play golf, spend some time in the garden, or swim in the ocean. The climate is perfect for all these and more. 

The state also has a wide range of activities and attractions, from theme parks to museums to beautiful white-sand beaches. If you’re ready to just relax and take it easy, Florida is the place to do that. However, if you’re up for some adventure and are looking for fun things to do, Florida is also the place for you! If you golf or fish you’ll really be in your element as Florida is the fishing capital of the world and has the most golf courses of any state in the USA.

Another reason why Florida is a great place for retirement is that it offers a great quality of life. The state has a low cost of living (on par with the national average), which means you can stretch your retirement savings further. Florida also has a great healthcare system, with many top-rated hospitals and medical facilities. 

Understanding Florida’s Hurricane Risk

Although Florida is a beautiful place to retire, it’s important to understand the hurricane risk associated with living in the Sunshine State. Hurricanes can cause significant damage to property and put lives at risk. However, not all areas of Florida are equally at risk for hurricanes.

Florida’s hurricane season runs from June 1st to November 30th, with the peak season occurring from mid-August to late October. During the season, hurricanes and tropical storms are more likely to form in the Atlantic Ocean and Gulf of Mexico and make landfall in Florida.

In recent years, Florida has been hit by several major hurricanes, including Hurricane Ian and Hurricane Irma. These storms caused billions of dollars in damages and resulted in many fatalities. However, it’s important to note that the risk of a hurricane hitting any particular area of Florida in any given year is relatively low.

Climate change is also a factor to consider when thinking about Florida’s hurricane risk. Warmer ocean temperatures can lead to more intense hurricanes, which can cause more damage. However, it’s difficult to predict exactly how climate change will impact hurricane activity in Florida in the future.

If you’re looking to retire in Florida without the risk of hurricanes, there are some areas that are considered to have a low hurricane risk. However, even those areas not at high risk of being directly hit by a hurricane can still feel the effects of one that hits hundreds of miles away. Heavy rainfall, flooding, and high winds can still be an issue. 

Best Cities in Florida for Retirement with Low Hurricane Risk

If you’re looking for a place to retire in Florida without worrying too much about hurricanes, there are plenty of great options to choose from. Remember central Florida will be lower risk as hurricanes tend to lose their strength before they pass over. Here are some of the best cities in Florida for retirement:


Leesburg is located inland, about 40 km from Orlando. It is said to be one of Florida’s most hurricane-safe cities as it has a low flood score and a history of few storm-related deaths and low damage. While Leesburg doesn’t get directly hit by hurricanes, residents can still feel the effects of tropical storms in the region.

Fernandina Beach

Fernandina Beach is a city that can be found on Amelia Island in Nassau County, Florida. It has a population of around 13,000 people and is known for its low crime rate and friendly community as well as being low risk for hurricanes and flooding. Only 3 hurricane strength storms have passed near the Amelia Island area in the last 150 years!

West Palm Beach

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West Palm Beach is a mid-sized city located on the east coast of Florida that is relatively safe from hurricanes, although not completely untouched. Hurricane Ian was recorded as a Category 4 storm in September 2022 and it does experience storm surges, high winds, and heavy rain when a hurricane is in close proximity.


Gainesville in Alachua County is approximately 70 miles from Jacksonville and is relatively safe for those wishing to avoid the devastation of severe hurricanes. Its position in North Central Florida means that when they do experience hurricanes they are rarely any worse than a tropical storm.

Lake City

Lake City is a small city with just over 12,000 residents and is regarded as one of the safest cities for hurricanes. It also has a low risk of flooding and tropical storms. Its annual cost of living is also lower than elsewhere in Florida making it a good option for retirees.

Areas that are further inland do provide some level of protection from the direct impact of hurricanes. However, it is important to remember that they can still experience strong winds, heavy rainfall, and flooding if a hurricane passes nearby. No matter where you live in Florida it’s important to remain prepared and stay informed during hurricane season.

Always listen for updates on news outlets and follow any guidance or evacuation orders issued by local authorities.

Areas of Florida with High Hurricane Risk

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If you are looking to Florida for your retirement but hurricanes are a cause for worry, you may want to avoid some of the following high-risk areas.

Fort Myers

Fort Myers is a mid-sized city on the Gulf Coast of Florida with beautiful beaches, great weather, and affordable cost of living. It would be a great place to live for retirees except for its high likelihood of being affected by hurricanes and storms. This area and anywhere in Southwest Florida have a history of severe weather, so if you are concerned about hurricanes, it’s a place to avoid.  

St. Augustine

St. Augustine is a historic city (the oldest in the US) located in northeast Florida. It has a charming downtown area, beautiful beaches, and rich history. However, over 90% of the residents live in a floodplain and the risk of flooding from rainfall and the storm surge from coastal storms and hurricanes is high. Over the years schools, homes, and businesses have experienced severe flooding and property damage in this city. 

Vero Beach

Vero Beach is a small town located on the east coast of Florida. It’s known for its beautiful beaches, great weather, and friendly residents, but is also known for being a high risk area for hurricanes with 73 recorded since 1930. 

Boca Raton

Boca Raton is a mid-sized city located on the east coast of Florida, known for its miles of beaches, great weather, and upscale lifestyle. Retirees who enjoy shopping, dining, and cultural events love living in Boca Raton, as there are plenty of high-end shops, restaurants, and cultural institutions to explore.

However, the risk of hurricanes is high and Boca Raton is hit by a hurricane (or affected by one) every 2.6 years.

Port St. Lucie is another big city with a high natural disaster risk, with 27 disasters recorded in just 20 years. Daytona Beach also is a high-risk area that is known for experiencing at least one tropical storm or hurricane nearly every season. 

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Florida’s Natural Beauty and Outdoor Activities

Florida is known for its natural beauty and outdoor activities, making it an ideal place to retire. For nature lovers, Florida has plenty to offer. The state is home to many state parks, including the Ocala National Forest, which offers over 600 square miles of hiking, biking, and horseback riding trails.

You can explore the forest’s many lakes, rivers, and springs, or take a guided tour to learn more about the area’s flora and fauna.

For those who enjoy water sports and activities, Florida’s coastline and many lakes provide ample opportunities. You can go fishing, kayaking, paddleboarding, or even take a sunset cruise. The state’s warm waters are also perfect for swimming and snorkeling.

If you are looking for a more leisurely way to enjoy Florida’s natural beauty, there are plenty of parks and gardens to visit. The Bok Tower Gardens, for example, offer a peaceful retreat with stunning views of the surrounding landscape. You can also visit the Everglades National Park, which is home to a wide variety of wildlife, including alligators, manatees, and panthers.

Overall, Florida’s natural beauty and outdoor activities make it an excellent place to retire if you are looking for a friendly and active lifestyle. Whether you enjoy hiking, fishing, or simply taking in the scenery, there is something for everyone in this beautiful state.

Cost of Living in Florida

When it comes to the cost of living in Florida, there are a few things to consider. Most importantly, Florida does not have a state income tax! This is great news for retirees looking to stretch their retirement dollars.

The median home price in Florida is around $270,000, which is slightly above the national average. However, there are many affordable options available throughout the state, especially in areas that are further inland and away from the coast.

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Housing costs can vary greatly depending on where you choose to live in Florida. Coastal areas tend to be more expensive, while inland areas are generally more affordable. It’s important to do your research and find a location that fits your budget.

Transportation costs in Florida are fairly average when compared to other states. Gas prices can fluctuate, but they are generally on par with the national average. Public transportation options are available in many areas, including buses and light rail systems.

There can be a high cost of living in certain areas, such as Miami and Orlando. However, the state’s average cost of living is relatively affordable when compared to other states.

Health Care in Florida

When it comes to health care in Florida, you’ll find a wide range of options available. Whether you need routine check-ups, specialized care, or emergency services, you’ll be able to find what you need.

Florida has many highly-ranked hospitals and medical facilities, including the Mayo Clinic in Jacksonville, the Moffitt Cancer Center in Tampa, and the Cleveland Clinic in Weston. These facilities are known for their top-notch care and cutting-edge treatments.

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In addition to these larger facilities, there are also many smaller clinics and practices throughout the state. These can be a great option for routine care and check-ups, as well as for more specialized services like physical therapy or chiropractic care.

If you’re looking for affordable healthcare options, you may want to consider joining a health maintenance organization (HMO) or preferred provider organization (PPO). These plans typically offer lower costs for care but may limit your choice of providers.

Florida’s Access to Major Cities and Attractions

One of the biggest advantages of retiring in Florida is its easy access to major cities. Whether you want to take a short drive or hop on a plane, you’re never too far away from the action. Some of the major cities in Florida include Miami, Orlando, Tampa, and Jacksonville.

In addition to its proximity to major cities and college towns, Florida also has several international airports. This makes it easy to travel to other parts of the United States and even abroad. Some of the major international airports in Florida include Miami International Airport, Orlando International Airport, and Tampa International Airport.

Florida’s Climate and Weather

The state of Florida has a humid subtropical climate, which means hot and humid summers and mild winters. The state’s location near the equator means that it receives a lot of sunshine throughout the year. The average temperature in Florida ranges from the mid-60s in the winter to the mid-80s in the summer.

One of the benefits of living in Florida is that you can enjoy outdoor activities year-round. Whether you enjoy hiking, biking, golfing, or simply lounging on the beach, Florida’s warm climate makes it possible to do so throughout the year.

While Florida is known for its warm weather, it’s important to note that the state does experience occasional cold snaps during the winter months. These cold snaps can bring freezing temperatures to some areas of the state, especially in the northern regions.

When it comes to hurricanes, Florida is one of the most hurricane-prone states in the country. The state’s location on the east coast of the United States makes it vulnerable to hurricanes that form in the Atlantic Ocean. 

Overall, Florida’s warm climate and abundance of sunshine make it an attractive place to retire. However, if you’re concerned about hurricanes, it’s important to do your research and choose a location that is less prone to these storms.

Public Transportation in Florida

If you’re looking for a place to retire in Florida without hurricanes, you’ll be glad to know that the state has a good public transportation system that can help you get around easily. Here’s what you need to know about public transportation in Florida:


Florida has a wide network of buses that are operated by various public transportation agencies. These buses are equipped with air conditioning and comfortable seating, making them a convenient and affordable way to get around. Most cities and towns have their own bus systems, and some even offer free rides for seniors.


Florida also has a few train systems that can take you across the state. The most popular one is Amtrak, which has routes that connect Miami, Orlando, Tampa, and Jacksonville. The trains are comfortable and equipped with amenities like Wi-Fi, power outlets, and dining cars.

Taxis and Ride-Sharing Services

Taxis and ride-sharing services like Uber and Lyft are also available in Florida. These services are convenient if you need to get somewhere quickly, but they can be expensive compared to public transportation.


Most public transport systems in Florida are accessible to people with disabilities. Buses and trains have wheelchair ramps and lifts, and some even have designated seating areas for people with disabilities.

Fares and Passes

The fares in Florida vary depending on the system and the city. Some systems offer discounted fares for seniors and people with disabilities. You can also purchase passes that allow you to ride the bus or train for a certain number of days.

Overall, public transportation in Florida is a convenient and affordable way to get around if you’re looking to retire in a low-risk hurricane area. Whether you’re taking the bus, train, or taxi, you’ll find that the state has a variety of options to suit your needs.

Florida’s Beaches and Coastal Cities

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If you’re looking for a place to retire in Florida without worrying about hurricanes, the state’s beaches and coastal cities are worth considering. With miles of beautiful beaches, you’ll have plenty of options to choose from.

On the Gulf Coast, cities like Naples and Sarasota offer a quieter, more relaxed lifestyle. These beach towns are known for their stunning sunsets and white sand beaches. If you’re looking for a more active retirement, you can take advantage of the many water sports available, such as kayaking, paddleboarding, and fishing.

On the Atlantic Ocean side, you’ll find cities like Vero Beach and Melbourne, which offer a more laid-back atmosphere than some of the busier beach towns further south. The Gulf of Mexico is also a popular spot for retirees, with cities like Clearwater and St. Petersburg offering a mix of beach life and urban amenities.

If you’re looking for a unique retirement experience, consider the Florida Keys. This chain of islands offers a tropical paradise with crystal clear waters and a slower pace of life. While the cost of living can be higher than in some other areas in Florida, the stunning natural beauty and relaxed lifestyle make it worth considering.

Florida’s Theme Parks and Entertainment

Florida is known for its theme parks and entertainment, and it’s no wonder why. With world-renowned attractions like Walt Disney World and Universal Studios, there’s always something exciting to do. If you’re looking for family-friendly fun, Walt Disney World is the perfect place to visit. 

Universal Studios is another popular destination for thrill-seekers and movie buffs. With rides based on popular franchises like Harry Potter and Jurassic Park, you’ll feel like you’re part of the action. Plus, the park also features live shows and performances, making it a well-rounded entertainment experience.

If you’re interested in the performing arts, Florida has plenty to offer as well. The Dr. Phillips Center for the Performing Arts in Orlando hosts a variety of shows and events, from Broadway productions to concerts and comedy shows. And in Miami, the Adrienne Arsht Center for the Performing Arts is a world-class venue that attracts top talent from around the globe.

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Golfing in Florida

Florida is a golfer’s paradise, with over 1,000 golf courses and clubs scattered throughout the state. Whether you’re a seasoned pro or a beginner, you’ll find a course that suits your skill level and preferences.

One of the best things about golfing in Florida is the year-round warm weather. You can play golf in Florida even during the winter months when most other parts of the country are covered in snow. The state’s flat terrain also makes it easy to walk the courses, which is great exercise. Because of the weather and flat terrain, Florida is an ideal place to pursue a new hobby in retirement.

Florida’s golf courses come in all shapes and sizes, from sprawling resort courses to small, family-owned clubs. Some of the most popular courses include the TPC Sawgrass in Ponte Vedra Beach, the Blue Monster at Trump National Doral in Miami, and the Streamsong Resort in Central Florida.

If you’re looking for a more affordable golfing experience, there are plenty of public courses available throughout the state. Some of the best public courses include the Orange County National Golf Center in Orlando, the World Woods Golf Club in Brooksville, and the Crandon Golf at Key Biscayne in Miami.

Many golf courses in Florida also offer lessons and clinics for beginners, so if you’re just starting out, don’t be afraid to ask for help. Golfing in Florida is a great way to meet new people and make new friends, so be sure to take advantage of the social opportunities that come with the sport.

There Are Many Great Places to Retire in Florida

In conclusion, Florida offers a great range of options for retirees seeking a popular place to live. While no location can guarantee complete immunity from natural disasters, there are some areas where the risk is much lower and are generally considered to be safer. 

Considering factors like healthcare access, proximity to loved ones, cost of living, and recreational opportunities such as water activities and golf clubs is also crucial when deciding where to retire. Thorough research and visits are important as this may be the place you settle in for the rest of your life.

Consult local real estate agents for a list of the best places for retirees to live based on all the factors above. You can then find the safest and most suitable place for a long and happy retirement in one of the most beautiful states in America. 

best places to retire in florida without hurricanes