In response to Cloud Dancer's comment; we might have to change our opinion about how the "average" house should look. On another note, when we came back to Florida we wanted to live near the coast but no beachfront, barrier islands, or spits of land with water on each side. We sought out riverfront but checked flood records carefully and finally, looked for something small that had been here for awhile. Little concrete block houses from the 60's are usually a good bet and that what we bought. We have very expensive flood insurance (not a government carrier) and it does not insure anything but the structure; no furnishing, appliances, etc. We are senior citizens and we want to live here but we do not want the taxpayers to pay for our choice. We are aware that we might lose it all but in the meantime, we love every minute. lizzie