
Wood vs Concrete Block in Florida: Which Is Better?
In Florida, concrete block offers lower insurance and better storm protection, while wood frame wins on speed, cost, and flexibility. Choosing one over the other affects your budget, build time, and long-term peace of mind, especially in hurricane zones. Before diving deep into the pros and cons, here’s a quick side-by-side to show how they stack up: Wood Frame vs. Concrete Block in Florida: Quick Comparison Upfront Cost: Wood Frame: Lower ($) Concrete Block: Higher ($$$) Build Speed: Wood Frame: Fast Concrete Block: Slower Hurricane Resistance: Wood Frame: Moderate (if built right) Concrete Block: High (code-friendly in HVHZ zones) Insurance Premiums: Wood Frame: Higher Concrete Block: Lower Remodel Flexibility: Wood Frame: Easy to modify Concrete Block: More rigid Maintenance Needs: Wood Frame: More upkeep (moisture, termites) Concrete Block: Low maintenance Bottom Line: Block is safer for coastal builds and long-term cost savings. Wood works inland and when speed, budget, or layout flexibility matter most. Now let’s break down the full picture, what each material really delivers when it comes to cost, insurance, code, and durability. Head-to-Head Comparison: Wood Frame vs Concrete Block At the end of the day, most Florida homeowners are comparing two things: what gives me the most








