Know THIS Before You Buy in Florida

Описание: Buying a house in Florida in 2025? 🛑 Watch this before you write an offer.

Florida is still sunshine, beaches, and no state income tax… but behind the palm trees are insurance shocks, flood zone surprises, climate risk, older-home money traps, and HOAs that feel like full-time jobs. In this video, we break down 5 shocking realities of buying in Florida right now that most buyers don’t learn about until after they’re under contract.

Here’s what we’re diving into:

🔥 Reality #1: Florida Home Insurance Is the Wild West
Why premiums are 3x the national average, what’s happening with Citizens, how roof age, four-point inspections, and wind mitigation reports can make or break your budget, and why you can’t assume you’ll just “shop around later.”

🌊 Reality #2: Flood Zones & FEMA Maps Are Changing
Risk Rating 2.0, inland flooding, king tides, and why “I’m not on the water” does NOT mean you’re safe. We’ll talk FEMA maps, private flood models, elevation, flood claims, and how flood insurance can add thousands per year to your payment.

🌪️ Reality #3: Climate Risk Is Already Pricing into Homes
Storms, heat, sea-level rise, and how they’re impacting insurance, resale, and where smart buyers are focusing. We’ll cover which areas are seeing more risk, more competition, or more hesitation from lenders and insurers.

🏚️ Reality #4: Older Homes Can Be Beautiful… and Brutal on Your Wallet
Cast iron pipes, outdated electrical panels, old roofs, non-impact windows, humidity damage, termites, and “Florida aging.” We explain what inspectors and insurance carriers are really looking for — and what that means for your wallet.

🌴 Reality #5: HOAs & Condo Laws Are Getting Stricter (and More Expensive)
New condo reserve laws, structural inspections, exploding condo fees, and HOAs tightening rules on rentals, parking, roofs, paint colors, and even holiday décor — plus how all of this changes your monthly cost to live in Florida.

By the end of this video, you’ll understand the real costs, risks, and fine print of buying in Florida — and how to protect yourself, your budget, and your sanity while still getting the lifestyle you moved here for.

If you’re planning a move to Northeast Florida – St. Johns County, Ponte Vedra, Nocatee, Jacksonville, St. Augustine and surrounding areas – this will give you a massive head start.

👋 We’re Heather & Danielle – Team Heather & Danielle, Momentum Realty
We help buyers and relocations navigate:
✅ Insurance & flood zones
✅ HOAs & condo rules
✅ Construction quality & building codes
✅ Inspections, climate risk, and long-term costs

📲 Contact Us:
Team Heather & Danielle – Momentum Realty
📞 Call/Text: 904-297-8294
📧 Email: [email protected]
🌐 Website / Home Search: www.teamheatheranddanielle.com

Whether you’re relocating, investing, or just starting to research a move to Florida, reach out anytime — we’re here to help you avoid the expensive surprises and still love where you live. 🌴

#FloridaRealEstate #BuyingaHouseInFlorida #FloridaInsurance #NortheastFlorida #StJohnsCounty #Nocatee