Going to add that for me the worst threat of living in Florida was driving at night, outside city areas, after heavy rains. The rivers swell so fast that the local authorities often do not have a chance to close roads that are flooded so it was common for people to plow into raging rivers that were many feet deep and a car could never make it through. I once had to have all the bearings in my wheels replaced when I plowed into 4 feet of water driving into a housing development. My car started to float but had enough momentum to make it across. But if you hit a real river your life is on the line.