I lived in Florida for a decade. The downsides just kept adding up, and now I’m back in the Midwest.

I see why many people love living in Jacksonville but found it wasn’t the best fit for me.

We first fell in love with Florida after visiting it on a family vacation in 1997.

After many more pleasant family vacations to the state, we left our hometown in Missouri and moved to Florida in early 2013.

We thought Jacksonville would be a good place to settle, as it was close to many Florida hot spots and great vacation cities in neighboring states.

It turns out, I’m much happier visiting Florida than living there full time. Here are a few things that led me to move back home to the Midwest after 11 years.

I didn’t like driving in our county, and I often worried about my family’s safety on the roads

I didn’t really enjoy driving in Jacksonville.

Witnessing high-speed chases on the interstate, cars failing to yield, and trucks running red lights were part of our daily life in Jax.

Our county, in particular, has some of the deadliest roads in Florida.

I worried about my young daughter daily as she commuted to work on I-95. Although I trusted her as a driver, I was concerned about everyone else on the interstates and roads.

She’d often tell me about cars going well over the already high-speed limit and how drivers would regularly speed up instead of letting her over for her exit or lane merge.

A few months ago, she moved to a much smaller city in the Midwest, and I stopped worrying so much about her daily commute. I figure if she could manage in a place like Jax, she could drive anywhere.

Insurance felt like a huge part of my budget in Florida

No one likes to pay a monthly insurance premium, but the cost felt especially tough to stomach while I lived in Florida.

A MarketWatch analysis found that the average full-coverage car insurance cost in Florida was 42% higher than the national average.

The big kicker was finding out that I’d moved into a no-fault state. This means that no matter who’s at fault in a collision, each driver has to rely on their own insurance to cover medical expenses and other financial losses.

Florida is also dealing with a home insurance crisis. Homeowners in many parts of the state struggle to keep up with sky-high premiums, especially after the recent hurricanes.

I’d often have to cut spending in other parts of my life just to cover my monthly high insurance costs. Now that I’m out of Florida, my monthly insurance expenses are lower, giving me breathing room to spend my money on more fun stuff.

I didn’t love the high temperatures and humidity during the day

Many love Florida’s seemingly endless sunshine but I found I got tired of it.

With sunlight beaming down most of the year, it’s clear why Florida is known as the Sunshine State. During some summer months, Florida’s average highs were above 90 degrees Fahrenheit.

I struggled to deal with the heat. Some may love it, but I found it could feel draining. With high humidity, the heat felt even worse. Jacksonville’s average annual percentage of humidity can be a sweaty 72% or higher.

Unfortunately, the heat and humidity kept me from fully enjoying all the beautiful outdoor activities and attractions throughout Florida.

My naturally curly hair turned into a pile of frizz each time I stepped out of the front door — sometimes, I’d feel so self-conscious about it I’d just stay home.

Instead of participating in outdoor adventures throughout the area, I often chose to stay home in the air conditioning.

Lastly, I missed experiencing the variety of the seasons and the temperature drops that come with some of them. The Midwest’s changing weather is a much better fit for me.

Mosquitoes were a huge nuisance to me at night

I also struggled to deal with mosquitoes when I lived in the Sunshine State. Although the pesky insects can be found in every state, Florida has more than most and over 80 species of them.

I seemed to be allergic to their bites, which would stay swollen on my body for days. Because of this, I didn’t journey outside too much without first coating myself in bug repellent.

The repellent wasn’t always super effective, so I eventually stopped going outside in the evenings to avoid getting bit.

Overall, I’m happier in the Midwest

I get why so many springbreakers and snowbirds are drawn to Florida. It has a lot of sunshine, natural beauty, and fun outdoor activities.

Still, for many reasons, I found it tough to fully enjoy the state and its beauty.

The Midwest is a better fit for me, and I’m glad I moved back. These days, I enjoy my slower-paced life in a state where I can feel the seasons change — and I no longer mind going outside so much.