As I write this, another hurricane is forming in the Gulf of Mexico headed towards a Texas landfall.
In fact, since 2004's Hurricane Charley and 2005's Katrina, Florida hasn't had a direct hurricane strike. We have had tropical storms, which are basically prolonged versions of a typical afternoon thunderstorm in intensity.
Wind mitigation (roof construction) is a major component of homeowner's insurance, and newer homes have to be built at least 10 feet above base flood elevation (BFE). If you are thinking of buying a waterfront home in Florida, there's always a risk, but the likelihood of you experiencing major damage as a result of a storm should be low if the 10-12 year trend continues for a few more years.