Non Floridians attention: Most persons building in Florida who have money build with solid concrete steel reinforced foundations using a mix of steel girders, poured concrete and steel walls, concrete and steel columns. the trusses may be steel or engineered wood. they may be covered with concrete slabs or heavy steel plates and even cement tiles. Some even use a product call AAC as their concrete. In some locations, building on pier columns is a must. Furthermore, placing all of the mechanicals well above flood level is a must. These homes can be and are buld to 200 to 250 mph wind standards.
However, the average home will be build on a concrete and steel rebar foundation to code with concrete block walls, columns every 8 feet and a roof trusses tied to the walls. Then the roof will have a metal or concrete tile cover. Mechanicals will mostly not be elevated and the homes subject to flooding unless about 22 feet or more above sea level. these homes with proper windows can withstand winds over 150 mph.
However, flooding still wrecks the inside cabinetry, flooring and drywall making a big mess, not to mention personal belongings. And don't forget, Florida is not the "Sunshine State", it is in fact the "Mold State".
That climate is a challenge. Always has been. Add to this higher temperatures for longer, high winds, flooding, droughts and billions in storm damge almost every year and Florida is on it's way to becoming depopulated.