In the face of the devastation wrought on Florida by HurricaneIrma, the Sunshine State may be losing some of its appeal as theperfect place for retirement.

A Washington Post report points out some of the drawbacks forretirees that have been highlighted by the storm—and that mightmake you want to change your mind, and your plans, about where tospend your golden years.

Florida has been losing standing as the retirementdestination in those lists of states best for retirement—despitethe fact that it has no income tax and offers plenty of retirementactivities and communities.

The report also points out that no Florida city landed a spot on the top 10list in the Milken Institute’s Center for the Future of Agingreport on the “Best Cities for Successful Aging” report itreleased earlier this year.

There are a number of reasons for the state’s fall in thestandings. Not just the danger from storms like Irma, but also thefact that, according to The New York Times’ Marc Santoraand Henry Fountain, so many seniors in Florida are reallyJohnny-come-latelies to the communities they live in.

The pair are quoted in the report saying, “Because so many olderpeople move to Florida later in life, they often do not have thefamily and neighborhood connections that would provide support inan emergency.”

The two go on to say, “It remains to be seen how the health caresystem will handle the increased demands placed on it byevacuations of the elderly and if they can get assistance to themost in need.” No small considerations, these.

Another major consideration is whether seniors and workers whohave not yet retired will have enough money left after acatastrophe like Irma to rebuild.

Although the IRS is likely to loosen the rules on 401(k) withdrawals—the onlysizeable money many people have set aside—for Irma the way theagency did for Harvey when it hit Texas, that’s noreason for rejoicing; it’s just time for a deep breath in arecovery that will take a long, long time.

After all, if you deplete your retirement savings to rebuildafter a hurricane, what will you live on when you do retire—or ifyou already have?

The National Flood Insurance Program is already undersiege—and under water, no pun intended, for years—and whetherit can cope with the massive demand that Harvey and Irma areputting on its already depleted resources, there’s no guaranteethat the program will be any more solvent in the future, or forthat matter whether coastal Floridians will be able to affordcoverage (or even get it at any price) now that it’s been forciblydemonstrated just how risky it can be to live in a coastalcommunity or state that will repeatedly be hit by the effects ofclimate change.

No matter how attractive the state’s positive points are, thefact that a single storm could deplete a lifetime of retirementsavings is a pretty heavy inducement to seek retirementelsewhere—particularly since as the years pass, the odds againstthere being only that single savings-devouring storm are droppingsteadily.