Floridian here, travelled the country for about a decade and came back to Florida the past few years.
Until you see how other state, county and municipality governments function, you can't really appreciate how well Florida gov generally works. When growing up in Florida, I was led to believe it was the most backward ass state in the country. Didn't help I also lived in a rural county. After living in half a dozen states in a decade (and visiting many more for long periods)... no. Florida has its shit together compared to most other states. Are there problems here, absolutely. But no where near as bad as other states. Especially when it comes to environmental planning and protection. Still some problems in the Everglades area with some fucktards, but on a whole, environmentalism is more active here than anywhere else. Just the news coverage is dismal.
While I'm on the Space Coast, you're right to not be that worried in Miami. Plus, there are massive seawall projects that are supposed to start soon if they haven't already. I know they were planned for 2020, but the whole covid thing through a monkeywrench in that. Last I read, there's some $20b being spent in the Miami-Dade area in the next decade all in response to climate change. A lot of the infrastructure is getting reworked, along with water management.
It's like people think we're surprised that nature can kill us. We "worry" about it half of the year, every year. We welcome the challenge... as long as we stock up on alcohol. Then bring it on. But if those liquor stores close, it's panic time.