My current home is on the ICW and was built in 1990. During hurricane Ivan my wind machine measured 150 MPH prior to taking off somewhere. I have hurricane shutters, the home was Custom built and checked by a certified Professional engineer for 140 MPH when designed and built.
The net result was that the home did NOT move or shift. All doors closed as before, NO structural damage at all.
There are homes built in excess of the current hurricane standards with the possible exception of Glass impact resistance which can be assisted by shutters of many types.
Obviously the closer you are to Salt Water (say below hwy interstate 10) the more you must pay attention to flooding possibilities and wind damage.
EACH home should be evaluated on it's own.
Regards, Capt. Rich Wittig, Broker
Call my insurance guy Matt Salvator at (850) 932-3459 and ask him all of your questions regarding your insurance questions. or you can email him at MSalvatorins@bellsouth.net
I have another contact I also use in the insurance business. Florida Insurance Agency- Chris Robinson-
I know they will be able to answer your questions! Also ask them about a wind mitigation inspection which has been very helpful since after Hurricane Ivan in reducing insurance rates on homes that meet necessary building upgrades!
There is no requirement to bring a structure up to current wind resistance codes as a condition of selling. Your best bet is to get a quote from an insurance agent on a specific property.
Hope this helps.