We lived in Fernandina for four years, and left because of work. We still have our house there and are planning to return soon. Fernandina is a very friendly place, with beautiful beaches, two little theaters, lots of art galleries, and a laid-back lifestyle. Avoid the plantation area unless you like snobs, but the rest of the place is terrific. People look out for each other, so it would be a great place for a single woman. My only complaints were with the public schools, which are mediocre, and the library, which is poor. (I used the one in north Jacksonville instead.) For someone in your situation, I think it would be ideal.
--posted by a non-Realtor