For years, Florida has been a magnet for retirees, luring new residents with warm weather, no state income tax, and amenity rich communities that cater to the 55 and over crowd.
But a growing number of people are rethinking their decisions and heading for the exits. As of January 2025, Florida and Texas combined accounted for over 30% of all homes for sale in the U.S. Florida alone had 157,221 active listings—the highest in the country—while Texas followed closely with 102,552.
So, what’s driving this exodus? Two key factors stand out: repressive state policies and skyrocketing insurance costs. In both states, political climates have shifted dramatically. Plus, climate-related risks, from hurricanes to wildfires, have sent insurance premiums through the roof. Homeowners in Florida, in particular, have been hit hard, with some seeing their rates triple in just a few years. Texas residents, facing similar challenges, have also felt the financial squeeze.
For those looking for a fresh start, North Carolina is an increasingly attractive alternative. Here’s why:
A Balanced Political Climate
Unlike the hardline shifts in Florida and Texas, North Carolina offers a more balanced political landscape, making it a welcoming place for a diverse range of residents. The state’s blend of urban and rural communities ensures a mix of perspectives, fostering a more moderate and pragmatic governance.
More Affordable and Stable Housing Market
While home prices have risen nationwide, North Carolina remains more affordable than Florida and Texas. The state has seen a steady, sustainable increase in home values without the dramatic spikes that have made housing in Florida nearly unattainable for many.
Lower Insurance Costs
North Carolina’s geographic diversity—stretching from the mountains to the coast—means homeowners can choose lower-risk areas that don’t come with astronomical insurance costs. Even in coastal regions, policies tend to be more reasonable compared to Florida’s insurance crisis.
Four Distinct Seasons Without the Extreme Weather
For those who love warm weather but want to escape the unbearable humidity, hurricanes, and heat waves of Florida and Texas, North Carolina provides a happy medium. The state experiences all four seasons, featuring mild winters and warm summers, creating a comfortable year-round climate.
Thriving Job Market and Strong Economy
North Carolina has become a hub for tech, finance, healthcare, and education. Cities like Raleigh, Charlotte, and Durham have seen explosive job growth, attracting top talent from across the country. And with a lower cost of living than Florida and Texas, your money goes further here.
A Richer Quality of Life
From the breathtaking Blue Ridge Mountains to the stunning Outer Banks, North Carolina offers unparalleled natural beauty. Whether you’re into hiking, fishing, or just enjoying a slower pace of life, the state provides a high quality of life that many former Florida and Texas residents are finding hard to resist.
Shorter Drive Back to Your Old Hometown
One of the biggest challenges for people who moved to Florida from northern states is the long trek back home to visit family and friends. A trip that once seemed manageable can now take two or even three full days of driving. North Carolina’s location offers a major advantage—no matter where you settle in the state, you’re likely to cut at least a day and a half off your drive. That means less time on the road and more time spent reconnecting with loved ones.
Why You Should Consider the Cape Fear Region
While the entire state of North Carolina has something to offer for everyone, obviously at Just For Buyers Realty, we are partial to the Cape Fear region. Wilmington and the surrounding coastal communities provide a unique blend of affordability, beauty, and quality of life that’s hard to beat.
The Cape Fear region boasts stunning beaches, a thriving arts and culture scene, and a welcoming community. Unlike the overcrowded and expensive coastal areas of Florida, Wilmington offers a more relaxed pace of life with access to all the amenities you could want—great restaurants, outdoor activities, and a strong sense of community. The historic downtown, with its riverfront charm, provides a vibrant yet laid-back atmosphere. Meanwhile, nearby beach towns like Wrightsville Beach, Carolina Beach, and Topsail Island offer a coastal lifestyle without the chaos and high insurance rates of Florida’s shoreline properties.
Additionally, Wilmington is home to a growing economy, with opportunities in healthcare, education, film production, and tech. It’s a place where you can enjoy mild winters, gorgeous summers, and a lower cost of living than many other coastal hotspots. If you’re looking for a place that offers coastal living without the headaches of Florida, the Cape Fear region might be the perfect fit.
If you’re reconsidering your move to Florida or Texas—or if you’re one of the many who are packing up and leaving—North Carolina might just be the perfect next step. A more stable housing market, lower insurance costs, a balanced political climate, and an incredible quality of life make the Tar Heel State an option worth exploring. Start your adventure today by talking to a JFB Agent at 910-202-4813.