I am originally from Florida and still have some contacts down there. The insurance situation is a real and evolving problem. You’re going to need a wind and a flood premium in most Ocala or Wellington area locations. Both are already expensive and both are rising exponentially year over year. If you actually do incur storm damage, expect a fight to get payment from them - the wind insurance company will claim it is actually flood damage and vice versa. Rebuilding after a storm is a slow process as everyone in your area will be doing the same thing. I know neither location has had a direct hit in a long time, but… a friend in Tampa is basically starting over after her property got hit twice in August.
To echo other people’s comments, the humidity, the sand and the bugs make it very hard on horses’ skin. It is a lovely place to be in the winter, but clearly my user name shows I picked having winter over summer year round
The summers down there have gotten increasingly hot and unbearable. My brother is a hardcore Floridian and even he has said July-September are no longer suitable for anything outside - and he’s a golfer and a boater. I think horses would pick a New England winter over a Florida summer.
The gulf gets super warm in the summer so it’s the functional equivalent of taking a nice hot outdoor bath on a humid/hot/sunny day. This also means the breeze coming in isn’t cooling much.