The Florida Keys covers 0 covered cities and 0 vetted home-service businesses across every major trade. Locally it's known as island living, fishing and diving culture, and the most distinctive housing stock in Florida. Climate is tropical maritime — warm year-round, no real winter, intense hurricane and king-tide exposure. For home maintenance, the big regional factors are direct hurricane exposure (Irma 2017), one-road evacuation, salt-air corrosion, the highest insurance and water rates in the state — hiring contractors with genuine experience in those conditions matters here more than price.
Cities we cover in the Florida Keys
Top service categories in this region
Top-rated pros across the Florida Keys
4.5★ or higher, 25+ reviews, ordered by rating then review volume.
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Moving to the Florida Keys? Common questions
Can you actually live full-time in the Keys?
Yes, and about 75,000 people do — most concentrated in Key West (Monroe County seat) and Key Largo. Housing is expensive, insurance is the most expensive in Florida, and access to mainland services requires a drive up US-1.
Why is insurance so expensive in the Keys?
Direct hurricane exposure. Irma (2017) devastated the Lower Keys. Private insurance has largely pulled out — most homeowners use Florida's Citizens Insurance (state-backed insurer of last resort) plus separate wind and flood policies. Budget 3-5% of home value annually for insurance alone.
What about hurricanes — is evacuation mandatory?
Yes. Monroe County orders evacuation well before any direct Cat-2+ strike. There is one road in and out (US-1) and gridlock is the norm. If you live here, you own a go-bag and a plan.
Is year-round life in the Keys worth it?
For some — no winter, tropical reef access, tight-knit island culture. For others, the isolation, cost, hurricane stress, and lack of services (no major hospital south of Homestead) are dealbreakers. Most newcomers rent for a full year before buying to test the lifestyle.