How do hurricanes factor into buying a Margate condo?

Ask three questions of the BUILDING: what is the wind mitigation status (impact glazing and roof attachment drive the association's insurance bill), what did the last storm claims history look like (repeated claims raise premiums and lender questions), and where does the master insurance deductible sit (the $50,000 per-unit cap matters for conventional eligibility). Inland Margate buildings carry less wind-zone pressure, a quiet premium advantage.