Not a Florida thing; it's a Sunbelt thing. I'm in Mobile, in Alabama. Of course, Florida
is only about 30 miles East...
The Palm Tree Rule of thumb: if there are palm trees (we have them, too), there are few basements. Partly because there were no howling furnaces. Or oil tanks. Many really old houses had/have basements, though.
Some areas also have a water table/basement issue, but most don't.
Just remember: Palms = RR in bedroom, garage or workshop. Don't even THINK "attic".