Florida is known for many things – balmy weather, white beaches, and fresh orange juice to name a few. For those looking to relocate for their later years, the idealized vision of a Floridian paradise is an appealing option. However, before you follow the graying masses down to the Sunshine State, consider these drawbacks.
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- Florida is Hot, Like Really Hot - While sunny days by the beach sound tempting, 100-degree days with nearly 100 percent humidity are less than idyllic. Add in the mosquitoes, cockroaches, alligators, and snakes that come with a warm climate and your vision of paradise may pale. While a dip in the pool on a hot day may not be bad, you likely won't be able to engage in any strenuous midday activities such as tennis or golf during the summer months. You should also understand that summer in Florida is not a mere season. The hot months often stretch from late May into November.
- Florida Isn't Cheap - It is true that Florida does not tax pensions or income, but this doesn't mean that living in Florida is the best financial option. Property tax in Florida is high, so even if you are not looking to buy, rent may still be higher than you might think. Also, the American population is comprised of more retirees than ever before. This increases the demand for spaces in retirement communities, which increases the prices of membership. Especially when medical care is required, finding a community that meets your needs can be an expensive proposition.
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- Florida is Cliché - Florida retirement communities understand the vision in your head, and they capitalize on that. They are selling a dream. Sure, you will have access to a pool and a golf course, a dinner followed with key lime pie and a bi-annual trip to Disney World. While this is not an unpleasant way to spend your retirement, you should consider whether that dream truly aligns with your individual interests.
- Florida has More Hurricanes Than Any Other State - Sitting in your car on an overcrowded highway trying to evacuate from an oncoming hurricane is no one's idea of a pleasant retirement. Florida has been riding a lucky streak since 2004 in terms of the number and severity of storms that have made landfall, but this trend will not last. Especially if you are considering living on the coast, be aware that you are risking your home and community being destroyed by a storm.
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