Arcadia, FL

This is Old Florida, not resort Florida — Arcadia's economy is still built on cattle and citrus, and that rural, agricultural setting means dust, pollen, and grove debris are a bigger factor here than salt air. Homes near open pastureland and groves pick up a fine layer of grit that regular rinsing doesn't fully clear.

Arcadia's historic downtown, with its early 20th-century storefronts and antique district, is worth keeping sharp too — and the same strong central Florida sun that ripens the citrus groves makes solar panels and roofs work hard year-round.