I live in coastal Florida north of Tampa - Citrus County - where the threat of hurricane is minimal. They just never come to this part. It is rural with horse and cattle farms, smaller towns. It is called the Nature Coast because of the springs, rivers and wildlife. Tampa is about an hour away. Traffic is non congested even in the winter. I do not live in a flood plain area so not only don't have to worry about floods but I don't have to buy flood insurance. It does get hot in the summer but that's what air conditioning is for. Housing is affordable. There are planned communities that include lawn care etc, mobile home parks, senior housing, condos and such but you won't find high rises or high density like you find in other areas.
You might want to consider renting for a few months in each area to see what you are most comfortable with. There are plenty of furnished places to rent by the month.