Glad all is well for you and family, I have relatives in Fort Meyers, one of them just moved into a new house they had built, it took 3 years to build because of COVID & lumber shortages, etc. I have lived in my share of high risk places and I get why you live there. 

I have flouted the wild, fearless and forever alone and yet I know one day the wild will win, and I shall be overthrown.