List of Banks in the Caribbean

List of Banks in Florida (United States)

Florida is a state of the United States. It is located in the Southeastern United States, bordering Alabama to the northwest and Georgia to the north. Much of the state's land mass is a large peninsula with the Gulf of Mexico to the west, the Atlantic Ocean to the east and the Caribbean to the south. Florida was admitted as the 27th U.S. state in 1845, after a three hundred year period of European colonization.

With an area of 65,758 square miles (170,312 km2), it is ranked 22nd in size among the 50 U.S. states. Florida has the longest coastline in the contiguous United States, encompassing approximately 1,350 miles (2,170 km). The state has four large urban areas, a number of smaller industrial cities, and many small towns.

Florida is nicknamed the "Sunshine State" because of its generally warm climate—subtropical in the northern and central regions of the state, with a true tropical climate in the southern portion. The United States Census Bureau estimates that the state population was 18,537,969 in 2009, ranking Florida as the fourth most populous state in the U.S. Tallahassee is the state capital, Jacksonville is the largest city, and the South Florida metropolitan area is the largest metropolitan area.
 

AMSouth Bank
Address: 3522 Bell Soals Road Valerico
City: Tampa
Phone: (1-813) 209-0262




Bank Of America
Address:
City: Miami
Phone: (1-800) 299-2265




Bank Of America
Address:
City: Tampa
Phone: (1-800) 299-2265




Bank Von Ernst
Address: 201 S.Biscayne Blvd. (Miami Center,Suite 1350)
City: Miami
Phone: (1-305) 372-5253





BankUnited
Address: 310 S.E. 1st St. Downtown
City: Miami
Phone: (1-305) 372-0895




BNP Paribas
Address: 201 S. Biscayne Blvd.
City: Miami
Phone: (1-305) 539-2000




Coconut Grove Bank
Address: 2701 S. Bayshore Dr.,
City: Miami
Phone: (1-305) 858-6666
Fax: (1-305) 854-2989



Colonial Bank
Address: 400 North Tampa Street
City: Tampa
Phone: (1-813) 223-3880




Colonial Bank
Address: 105 West Colonial Dr.
City: Orlando
Phone: (1-407) 648-0546




Commercebank NA.
Address: 3105 N.W. 107th Av.
City: Miami
Phone: (1-305) 629-1244




Continental National Bank Of Miami
Address: 240 E. Flagler St.
City: Miami
Phone: (1-305) 374-4994




Federal Trust Bank
Address: 655 West Morse Blvd., Winter Park
Phone: (1-407) 645-1201




Firs Citrus Bank Inc.
Address: 13850 Sheldon Road
City: Tampa
Phone: (1-813) 826-5588




First Indiana Bank
Address: 100 East Sybelia Ave., Maitland
Phone: (1-407) 740-7559




First National Bank
Address: 100 Ruby Ave.
City: Kissimmee
Phone: (1-407) 343-4242



First National Bank Of Florida
Address: 1401 Lee Road
City: Orlando
Phone: (1-407) 298-6600




First National Bank Of South Miami
Address: 5750 Sunset Dr. S.
City: Miami
Phone: (1-305) 667-5511




Florida Bank Of Tampa
Address: 100 Kennedy Boulevard W. Florida Bank Plaza
City: Tampa
Phone: (1-813) 221-7900




Great Eastern Bank Of Florida
Address: 4601 NW 72nd. Avenue
City: Miami
Phone: (1-305) 716-9000
Fax: (1-305) 716-9721



Hemisphere National Bank
Address: 2159 Coral Way.
City: Miami
Phone: (1-305) 856-5600




Heritage Bank Of Florida
Address: 23000 State Road 54 Lutz
City: Tampa
Phone: (1-813) 809-8663




Kislak National Bank
Address: 301 71st St. MB.
City: Miami
Phone: (1-305) 861-1211




Manufacturers Bank Of Florida
Address: 4144 North Armenia Ave.
City: Tampa
Phone: (1-813) 874-1323




Mercantile Bank
Address: 4202 Kennedy Boulevard W.
City: Tampa
Phone: (1-813) 286-8789



Metro Bank Of Dade Country
Address: 9350 S. Dixie Highway.
City: Miami
Phone: (1-305) 670-0200




Northern Trust Bank
Address: 700 Brickell Av.
City: Miami
Phone: (1-305) 375-1000




Northern Trust Bank
Address: 425 North Florida Ave.
City: Tampa
Phone: (1-813) 277-0900




Ocean Bank -Main Office-
Address: 780 N.W. 42 Ave.
City: Miami
Phone: (1-305) 442-2660
Fax: (1-305) 444-8153




Peoples First Community Bank
Address: 116 East Altamonte Drive, Altamonte Springs
Phone: (1-407) 830-4372




Platinum Bank
Address: 802 Lumsden Road W.
City: Tampa
Phone: (1-813) 655-1234




Regions Bank
Address: 3601 Waters Ave. West
City: Tampa
Phone: (1-813) 833-7851




Repubic Security Bank
Address: 15692 North Dale Mebry Ave.
City: Tampa
Phone: (1-813) 264-5071




Republic Security Bank
Address: 4770 Biscayne Blvd.
City: Miami
Phone: (1-305) 933-9799




Southern Community Bank
Address: 250 N. Orange Ave.
City: Orlando
Phone: (1-407) 648-0188




Southern Exchange Bank
Address: 4401 W. Kennedy Boulevard
City: Tampa
Phone: (1-813) 207-5645




Southtrust Bank NA.
Address:
City: Miami
Phone: (1-800) 225-5782




Southtrust Bank Nasouth NA
Address: 1222 East Vine St.
City: Kissimmee
Phone: (1-407) 932-0080




Suntrust Bank
Address: 401 E. Jackson Street
City: Tampa
Phone: (1-800) 786-8787




The International Bank Of Miami, N.A.
Address: 2121 S.W. 3rd Av.
City: Miami
Phone: (1-305) 854-8800




The Terrace Bank
Address: 5140 E. Fowler Avenue
City: Tampa
Phone: (1-813) 349-4530




Totalbank
Address: 2720 Coral Way.
City: Miami
Phone: (1-305) 448-6500




UBS. AG.
Address: 701 Brickell Av.
City: Miami
Phone: (1-305) 375-0110




Unibank
Address: 9795 S. Dixie Highway.
City: Miami
Phone: (1-305) 740-9522




Wachovia Bank
Address: 15518 Dale Mabry Highway N.
City: Tampa
Phone: (1-813) 860-5591

History
Main article: History of Florida
Archaeological research indicates that Florida was first inhabited by Paleo-Indians, the first human inhabitants of the Americas, perhaps as early as 14 thousand years ago. The region was continuously inhabited through the Archaic period, and after about 500 BC the previously relatively uniform Archaic culture began to fragment into local cultures. By the 16th century, the earliest time for which there is a historical record, major Native American groups included the Apalachee (of the Florida Panhandle), the Timucua (of northern and central Florida), the Ais (of the central Atlantic coast), the Tocobaga (of the Tampa Bay area), the Calusa (of southwest Florida) and the Tequesta (of the southeastern coast).

Florida was the first part of what is now the continental United States to be visited by Europeans. The earliest known European explorers came with the Spanish conquistador Juan Ponce de León, who spotted the peninsula on April 2, 1513. According to his chroniclers, Ponce de León named the region La Florida ("flowery land") because it was then the Easter Season, known in Spanish as Pascua Florida (roughly "Flowery Easter"), and because the vegetation was in bloom. It is possible Juan Ponce de León was not the first European to reach Florida, however; reportedly, at least one indigenous tribesman whom he encountered in Florida in 1513 spoke Spanish. From 1513 onward, the land became known as "La Florida", although after 1630 and throughout the 18th century, Tegesta (after the Tequesta tribe) was an alternate name of choice for the Florida peninsula following publication of a map by the Dutch cartographer Hessel Gerritsz in Joannes de Laet's History of the New World.


The five flags of Florida from the right, Spain (1565–1763), the Kingdom of Great Britain, Spain (1784–1821), the Confederacy, and the United States. France (not featured) also controlled part of Florida.Over the following century, both the Spanish and French established settlements in Florida with varying degrees of success. In 1559, Don Tristán de Luna y Arellano established a colony at present-day Pensacola, one of the first European attempts at settlement in the continental United States. It was abandoned by 1561 due to hurricanes, famine and warring tribes, and the area was not re-inhabited until the 1690s. French Huguenots founded Fort Caroline in modern-day Jacksonville in 1564, but in the following year, the fort was conquered by forces from the new Spanish colony of St. Augustine (called San Agustín in Spanish). The Spanish maintained tenuous control over the region by converting the local tribes, briefly with Jesuits and later with Franciscan friars. The local leaders (caciques) demonstrated their loyalty to the Spanish by converting to Roman Catholicism and welcoming the Franciscan priests into their villages.


Bernard Picart copper plate engraving of Florida Indians, Circa 1721 "Cérémonies et Coutumes Religieuses de tous les Peuples du Monde"The area of Spanish Florida diminished with the establishment of English colonies to the north and French colonies to the west. The English weakened Spanish power in the area by supplying their Creek and Yamasee allies with firearms and urging them to raid the Timucuan and Apalachee client-tribes of the Spanish. The English attacked St. Augustine, burning the city and its cathedral to the ground several times, while the citizens hid behind the walls of the Castillo de San Marcos.

Florida was attracting a large number of Africans and African Americans from British-occupied North America who sought freedom from slavery. Once in Florida, the Spanish Crown converted them to Roman Catholicism and gave them freedom. Those ex-slaves settled in a community north of St. Augustine, called Gracia Real de Santa Teresa de Mose, the first freedom settlement of its kind in what became the United States. Many of those slaves were also welcomed by Creek and Seminole Native Americans who had established settlements there at the invitation of the Spanish government.

Great Britain gained control of Florida and other territory diplomatically in 1763 through the Peace of Paris. The British divided their new acquisitions into East Florida, with its capital at St. Augustine, and West Florida, with its capital at Pensacola. Britain tried to develop the Floridas through the importation of immigrants for labor, but this project ultimately failed. Spain received both Floridas after Britain's defeat by the American colonies and the subsequent Treaty of Versailles in 1783, continuing the division into East and West Florida. They offered land grants to anyone who settled in the colonies, and many Americans moved to them.


Florida split into East and West in 1810After settler attacks on Indian towns, Seminole Indians based in East Florida began raiding Georgia settlements, purportedly at the behest of the Spanish. The United States Army led increasingly frequent incursions into Spanish territory, including the 1817–1818 campaign against the Seminole Indians by Andrew Jackson that became known as the First Seminole War. Following the war, the United States effectively controlled East Florida. In 1819, by terms of the Adams-Onís Treaty, Spain ceded Florida to the United States in exchange for the American renunciation of any claims on Texas that they might have from the Louisiana Purchase and $5 million.

As settlement increased, pressure grew on the United States government to remove the Indians from their lands in Florida. To the chagrin of Georgia landowners, the Seminoles harbored and integrated runaway blacks, known as the Black Seminoles, and clashes between whites and Indians grew with the influx of new settlers. In 1832, the United States government signed the Treaty of Payne's Landing with some of the Seminole chiefs, promising them lands west of the Mississippi River if they agreed to leave Florida voluntarily. Many of the Seminoles left at this time, while those who remained prepared to defend their claims to the land. The U.S. Army arrived in 1835 to enforce the treaty under pressure from white settlers, and the Second Seminole War began at the end of the year with the Dade Massacre, when Seminoles ambushed and killed or mortally wounded all but one in a group of 110 Army troops, plus Major Dade and seven officers, marching from Fort Brooke (Tampa) to reinforce Fort King (Ocala). Between 900 and 1,500 Seminole Indian warriors employed guerrilla tactics against United States Army troops for seven years until 1842. The U.S. government is estimated to have spent between US$20 million and US$40 million on the war, at the time an astronomical sum.


St. Augustine is the oldest city in the United States, established in 1565 by Spain.On March 3, 1845, Florida became the 27th state of the United States of America, although initially its population grew slowly. White settlers continued to encroach on lands used by the Seminoles, and the United States government resolved to make another effort to move the remaining Seminoles to the West. The Third Seminole War lasted from 1855 to 1858, and resulted in the removal of most of the remaining Seminoles. Even after three bloody wars, the U.S. Army failed to force all of the Seminole Indians in Florida to the West. Though most of the Seminoles were forcibly exiled to Creek lands west of the Mississippi, hundreds, including Seminole leader Aripeka (Sam Jones), remained in the Everglades and refused to leave the native homeland of their ancestors. Their descendants remain there to this day.


The Battle of Olustee during the Civil War in 1864White settlers began to establish cotton plantations in Florida, which required numerous laborers. By 1860 Florida had only 140,424 people, of whom 44% were enslaved. There were fewer than 1000 free African Americans before the Civil War.


Winter in Florida, 1893On January 10, 1861, before the start of the American Civil War, Florida declared its secession from the Union; ten days later, the state became a founding member of the Confederate States of America. The war ended in 1865. On June 25, 1868, Florida's congressional representation was restored. After Reconstruction, white Democrats succeeded in regaining power in the state legislature. In 1885 they created a new constitution, followed by statutes through 1889 that effectively disfranchised most blacks and many poor whites over the next several years. Provisions included poll taxes, literacy tests, and residency requirements. Disfranchisement for most African Americans in the state persisted until the Civil Rights Movement of the 1960s gained federal legislation to protect their suffrage.


The Prinz Valdemar capsized and blocked the Port of Miami for several weeks in 1926, helping to usher in the end of the 1920s Miami real estate boom.
Soldiers and crowds in Downtown Miami 20 minutes after surrender during World War II.Until the mid-20th century, Florida was the least populous Southern state. In 1900 its population was only 528,542, of whom nearly 44% were African American. The boll weevil devastated cotton crops, and early 20th century lynchings and racial violence caused a record number of African Americans to leave the state in the Great Migration to northern and midwestern industrial cities. Forty thousand blacks, roughly one-fifth of their 1900 population, left for better opportunities. National economic prosperity in the 1920s stimulated tourism to Florida. Combined with its sudden elevation in profile was the Florida land boom of the 1920s, which brought a brief period of intense land development. Devastating hurricanes in 1926 and 1928, followed by the stock market crash and Great Depression, brought that period to a halt.

Florida's economy did not fully recover until the buildup for World War II. The climate, tempered by the growing availability of air conditioning, and low cost of living made the state a haven. Migration from the Rust Belt and the Northeast sharply increased the population after the war. In recent decades, more migrants have come for the jobs in a developing economy. Today, with an estimated population of more than 18 million, Florida is the most populous state in the Southeastern United States, the second most populous state in the South behind Texas, and the fourth most populous in the United States. The Census Bureau estimated that "Florida, now the fourth most populous state, will edge past New York into third place in total population by 2011".

See also: Seminole Wars and Florida in the American Civil War
Geography

Topographic map of FloridaFurther information: List of counties in Florida
See also: List of Florida state parks
Much of the state of Florida is situated on a peninsula between the Gulf of Mexico, the Atlantic Ocean, and the Straits of Florida. Spanning two time zones, It extends to the northwest into a panhandle, extending along the northern Gulf of Mexico. It is bordered on the north by the states of Georgia and Alabama, and on the west, at the end of the panhandle, by Alabama. It is near several Caribbean countries, particularly The Bahamas and Cuba. Florida's extensive coastline made it a perceived target during World War II, so the government built airstrips throughout the state; today, approximately 400 airports are still in service. According to the National Drug Intelligence Center, Florida has 131 public airports, and more than 700 private airports, airstrips, heliports, and seaplane bases. Florida is one of the largest states east of the Mississippi River, and only Alaska and Michigan are larger in water area.


Everglades National Park in Southern Florida
Crandon Park in Key Biscayne
A map of Florida showing county names and boundaries
The beach at Bahia Honda in the Florida KeysAt 345 feet (105 m) above mean sea level, Britton Hill is the highest point in Florida and the lowest highpoint of any U.S. state. Much of the state south of Orlando is low-lying and fairly level; however, some places, such as Clearwater, feature vistas that rise 50 to 100 feet (15 – 30 m) above the water. Much of Central and North Florida, typically 25 miles (40 km) or more away from the coastline, features rolling hills with elevations ranging from 100 to 250 feet (30 – 76 m). The highest point in peninsular Florida, Sugarloaf Mountain, is a 312-foot (95 m) peak in Lake County.

Areas under control of the National Park Service include:

Big Cypress National Preserve, near Lake Okeechobee
Biscayne National Park, in Miami-Dade County south of Miami
Canaveral National Seashore, between New Smyrna Beach and Titusville
Castillo de San Marcos National Monument, in St. Augustine
De Soto National Memorial, in Bradenton
Dry Tortugas National Park, at Key West
Everglades National Park in Southern Florida
Fort Caroline National Memorial, at Jacksonville
Fort Matanzas National Monument, in St. Augustine
Gulf Islands National Seashore, near Gulf Breeze
Timucuan Ecological and Historic Preserve, in Jacksonville
Areas under the control of the USDA United States Forest Service include:

Apalachicola National Forest along the east bank of the Apalachicola River,
Choctawhatchee National Forest near Niceville,
Ocala National Forest in Central Florida, and
Osceola National Forest in Northeast Florida.
Boundaries
The state line begins in the Atlantic Ocean, traveling west, south, and north up the thalweg of the Saint Mary's River. At the origin of that river, it then follows a straight line nearly due west and slightly north, to the point where the confluence of the Flint River (from Georgia) and the Chattahoochee River (down the Alabama/Georgia line) used to form Florida's Apalachicola River. (Since Woodruff Dam was built, this point has been under Lake Seminole.) The border with Georgia continues north through the lake for a short distance up the former thalweg of the Chattahoochee, then with Alabama runs due west along latitude 31°N to the Perdido River, then south along its thalweg to the Gulf via Perdido Bay. Much of the state is at or near sea level.

Climate

Royal Poinciana tree in full bloom in the Florida Keys, an indication of South Florida's tropical climate.Main article: Climate of Florida
See also: List of Florida hurricanes and List of all-time high and low temperatures by state
The climate of Florida is tempered somewhat by the fact that no part of the state is very distant from the ocean. North of Lake Okeechobee, the prevalent climate is humid subtropical, while coastal areas south of the lake (including the Florida Keys) have a true tropical climate. High temperatures in the state seldom exceed 100 °F (38 °C), with much of Florida commonly seeing a high summer temperature of 90s °F (32+ °C).

During late autumn and winter months, Florida has experienced occasional cold fronts that can bring high winds and relatively cooler temperatures for the entire state, with high temperatures that could remain into the 40s and 50s (4 to 15 °C) and lows of 20s and 30s (-7 to 4 °C) for few days in the northern and central parts of Florida, although below-freezing temperatures are very rare in the southern part of the state. Low temperatures have been 10's[clarification needed], and high temperature (at their lowest) in the upper 30s.[clarification needed]


Fall foliage in North Florida.
Typical summer afternoon shower from the Everglades traveling eastward over Downtown Miami.
Snow is not common in Florida, but has occurred in every major Florida city at least once. Snow also falls occasionally in North Florida.The hottest temperature ever recorded in Florida was 109 °F (43 °C), which was set on June 29, 1931 in Monticello. The coldest temperature was –2 °F (−19 °C), on February 13, 1899, just 25 miles (40 km) away, in Tallahassee. Mean high temperatures for late July are primarily in the low 90s Fahrenheit (32–35 °C). Mean low temperatures for late January range from the low 40s Fahrenheit (4–7 °C) in northern Florida to the mid-50s (≈13 °C) in southern Florida.

The seasons in Florida are determined more by precipitation than by temperature, with the hot, wet springs and summers making up the wet season, and mild to cool, and the relatively dry winters and autumns, making the dry season. Fall foliage appears in Central and North Florida starting around late November, and into winter.

The Florida Keys, because they are completely surrounded by water, have lesser variability in temperatures. At Key West, temperatures rarely exceed 90 °F (32 °C) in the summer or fall below 60 °F (16 °C) in the winter, and frost has never been reported in the Keys.

Florida's nickname is the "Sunshine State", but severe weather is a common occurrence in the state. Central Florida is known as the lightning capital of the United States, as it experiences more lightning strikes than anywhere else in the country. Florida has the highest average precipitation of any state, in large part because afternoon thunderstorms are common in most of the state from late spring until early autumn. A fair day may be interrupted with a storm, only to return to sunshine an hour or so later. These thunderstorms, caused by overland collisions of moist masses of air from the Gulf of Mexico and Atlantic Ocean, pop up in the early afternoon and can bring heavy downpours, high winds, and sometimes tornadoes. Florida leads the United States in tornadoes per square mile (when including waterspouts) but they do not typically reach the intensity of those in the Midwest and Great Plains. Hail often accompanies the most severe thunderstorms.

Snow in Florida is a rare occurrence, especially on the peninsula. During the Great Blizzard of 1899, Florida experienced blizzard conditions; the Tampa Bay area had "gulf-effect" snow, similar to lake-effect snow in the Great Lakes region. During the 1899 blizzard was the only time the temperature in Florida is known to have fallen below 0 degrees Fahrenheit (−18 °C). The most widespread snowfall in Florida history occurred on January 19, 1977, when snow fell over much of the state, with flurries as far south as Homestead. Snow flurries also fell on Miami Beach for the only time in recorded history. A hard freeze in 2003 brought "ocean-effect" snow flurries to the Atlantic coast as far south as Cape Canaveral. The 1993 Superstorm brought blizzard conditions to the panhandle, while heavy rain and tornadoes beset the peninsula. The storm is believed to have been similar in composition to a hurricane, some Gulf coast regions even seeing storm surges of six feet or more. More recently, traces of snow and sleet fell across central and southern Florida during a hard freeze event in January, 2010. There was some slight accumulation north of the I-4 corridor, mostly in the form of sleet.


Hurricane Andrew bearing down on Florida on August 23, 1992.Hurricanes pose a severe threat during hurricane season, which lasts from June 1 to November 30, although some storms have been known to form out of season. Florida is the most hurricane-prone US state, with subtropical or tropical water on a lengthy coastline. From 1851 to 2006, Florida has been struck by 114 hurricanes, 37 of them major—category 3 and above. It is rare for a hurricane season to pass without any impact in the state by at least a tropical storm. For storms, category 4 or higher, 83% have either hit Florida or Texas. August to October is the most likely period for a hurricane in Florida.

In 2004, Florida was hit by a record four hurricanes. Hurricanes Charley (August 13), Frances (September 4–5), Ivan (September 16), and Jeanne (September 25–26) cumulatively cost the state's economy $42 billion. Additionally, the four storms caused an estimated $45 billion in damage. In 2005, Hurricane Dennis (July 10) became the fifth storm to strike Florida within eleven months. Later, Hurricane Katrina (August 25) passed through South Florida and Hurricane Rita (September 20) swept through the Florida Keys. Hurricane Wilma (October 24) made landfall near Cape Romano, just south of Marco Island, finishing another very active hurricane season. Wilma is the second most expensive hurricane in Florida history, due in part to a five year window in which to file claims.

Florida was the site of the second costliest weather disaster in U.S. history, Hurricane Andrew, which caused more than US$25 billion in damage when it struck on August 24, 1992. In a long list of other infamous hurricane strikes are the 1926 Miami hurricane, the 1928 Okeechobee hurricane, the Labor Day Hurricane of 1935, Hurricane Donna in 1960, and Hurricane Opal in 1995. Recent research suggests the storms are part of a natural cycle and not a result of global warming.

Fauna

Alligator in the Florida Everglades
Key Deer in the lower Florida Keys
The Florida Scrub Jay is found only in Florida.Florida is host to many types of wildlife including:

Marine Mammals: Bottlenose Dolphin, Short-finned Pilot Whale, North Atlantic Right Whale, West Indian Manatee
Reptiles: American Alligator and Crocodile, Eastern Diamondback and Pygmy Rattlesnakes, Gopher Tortoise, Green and Leatherback Sea Turtles, Eastern Indigo Snake
Mammals: Florida panther, White-tailed deer, Key Deer, Bobcats, Florida Black Bear, Nine-banded Armadillos
Birds: Bald Eagle, Northern Caracara, Snail Kite, Osprey, White and Brown Pelicans, Sea Gulls, Whooping and Sandhill Cranes, Roseate Spoonbill, Florida Scrub Jay (state endemic), and others. One subspecies of Wild Turkey, Meleagris gallopavo, namely subspecies osceola, is found only in the state of Florida.[42] The state is a wintering location for many species of eastern North American birds.
The only known calving area for the Northern Right Whale is off the coasts of Florida and Georgia.[43]

Since their accidental importation from South America into North America in the 1930s, the Red imported fire ant population has increased its territorial range to include most of the Southern United States, including Florida. They are more aggressive than most native ant species and have a painful sting.[44]

A number of non-native snakes have been released in the wild. In 2010 the state created a hunting season for Burmese and Indian pythons, African rock pythons, green anacondas, and Nile monitor lizards.[45]

Environmental issues
Main article: Environment of Florida
Florida ranks 45th out of 50 states in total energy consumption per capita, despite the heavy reliance on air conditioners and pool pumps. This includes coal, natural gas, petroleum, and retail electricity sales.[46] It is estimated that approximately 4% of energy in the state is generated through renewable resources.[47] Florida's energy production is 6% of the nation's total energy output, while total production of pollutants is lower, with figures of 5.6% for nitrogen oxide, 5.1% for carbon dioxide, and 3.5% for sulfur dioxide.[47]

It is believed that significant energy resources are located off of Florida's western coast in the Gulf of Mexico, but that region has been closed to exploration since 1981.[48] Governor Charlie Crist and both of Florida's U.S. Senators, Bill Nelson and Mel Martinez, oppose offshore drilling and exploration. Former Governor Jeb Bush, who was originally opposed to all drilling,[49] changed his position in 2005 when he supported a bill introduced into the House of Representatives which allowed unrestricted drilling 125 miles (201 km) or more from the coast.[50] Crist, Martinez and Nelson opposed that bill, but Martinez and Nelson voted for a Senate alternative which prohibited drilling within 125 miles (201 km) of the Panhandle coast, and 235 miles (378 km) of the peninsular coast.[51]

In July 2007, Florida Governor Charlie Crist announced plans to sign executive orders that would impose strict new air-pollution standards in the state, with aims to reduce greenhouse gas emissions by 80% of 1990 levels by 2050. Crist's orders would set new emissions targets for power companies, automobiles and trucks, and toughen conservation goals for state agencies and require state-owned vehicles to use alternative fuels.[52]

Red tide has been an issue on the Southwest coast of Florida, as well as other areas. While there has been a great deal of conjecture over the cause of the toxic algae bloom, there is no evidence that it is being caused by pollution or that there has been an increase in the duration or frequency of red tides.[53]

The Florida panther is close to extinction. A record 23 were killed in 2009 by hunters and in car accidents which leaves only about 100 individuals in the wild. The Center for Biological Diversity and others have therefore called for a special protected area for the panther to be established.[54] Manatees are also dying at a rate higher than their reproduction.

Geology
The Florida peninsula is a porous plateau of karst limestone sitting atop bedrock known as the Florida Platform. The emergent portion of the platform was created during the Eocene to Oligocene as the Gulf Trough filled with silts, clays, and sands. Flora and fauna began appearing during the Miocene. No land animals were present in Florida prior to the Miocene.

The largest deposits of potash in the country are found in Florida.[55]

Extended systems of underwater caves, sinkholes and springs are found throughout the state and supply most of the water used by residents. The limestone is topped with sandy soils deposited as ancient beaches over millions of years as global sea levels rose and fell. During the last glacial period, lower sea levels and a drier climate revealed a much wider peninsula, largely savanna.[56] The Everglades, an enormously wide, very slow-flowing river encompasses the southern tip of the peninsula.

Florida is tied for last place[57] as having the fewest earthquakes of any US state.[58] Because Florida is not located near any tectonic plate boundaries, earthquakes are very rare, but not totally unknown. In January, 1879, a shock occurred near St. Augustine. There were reports of heavy shaking that knocked plaster from walls and articles from shelves. Similar effects were noted at Daytona Beach 50 miles (80 km) south. The tremor was felt as far south as Tampa and as far north as Savannah, Georgia. In January 1880, Cuba was the center of two strong earthquakes that sent severe shock waves through the city of Key West, Florida.[59] Another earthquake centered outside Florida was the 1886 Charleston earthquake. The shock was felt throughout northern Florida, ringing church bells at St. Augustine and severely jolting other towns along that section of Florida's east coast. Jacksonville residents felt many of the strong aftershocks that occurred in September, October, and November 1886.[60] As recently as 2006, a magnitude 6.0 earthquake centered about 260 miles (420 km) southwest of Tampa in the Gulf of Mexico sent shock waves through southwest and central Florida. The earthquake was too small to trigger a tsunami and no damage was reported

Population
Florida has the 4th highest state population in the United States. The center of population of Florida is located in Polk County, in the town of Lake Wales.[62] As of 2009, Florida's population was estimated to be 18,537,969. The state grew 128,814, or 0.7% from 2007. Using the latest population estimates, Florida is the nation's thirtieth-fastest-growing state. During Florida's peak growth year of 2005, it was the nation's fifth fastest growing state and grew at an annual rate of 2.2%.

About two-thirds of the population was born in another state, the second highest in the country.[63]

The state had the third largest illegal immigrant population in the country in 2009.[64]b In 2010, illegal immigrants constituted an estimated 5.7% of the population. This was the sixth highest percentage of any state in the country.[65][66]

There were 186,102 military retirees living in the state in 2008

Racial and ancestral makeup
The largest reported ancestries in the 2000 Census were German (11.8%), Irish (10.3%), English (9.2%), American (8%), Italian (6.3%), French (2.8%), Polish (2.7%) and Scottish (1.8%).[68]


Florida Population Density MapBefore the American Civil War, when slavery was legal, and during the Reconstruction era that followed, blacks made up nearly half of the state's population.[69] Their proportion declined over the next century, as many moved north in the Great Migration while large numbers of northern whites moved to the state. Recently, the state's proportion of black residents has begun to grow again. Today, large concentrations of black residents can be found in northern Florida (notably in Jacksonville, Gainesville, Tallahassee, and Pensacola), the Tampa Bay area, the Orlando area, especially in Orlando and Sanford. Also, there has been a large increase of Black Americans of Hispanic descent in South Florida; where their numbers have been bolstered by significant immigration from Cuba, Dominican Republic, and small numbers from Spanish speaking countries in South America.

Florida's Hispanic population includes large communities of Cuban Americans in Miami and Tampa, Puerto Ricans in Orlando and Tampa, and Central American migrant workers in inland West-Central and South Florida. The Hispanic community continues to grow more affluent and mobile. Between the years of 2000 and 2004, Lee County in Southwest Florida, which is largely suburban in character, had the fastest Hispanic population growth rate of any county in the United States.

White Americans of all European backgrounds are present in all areas of the state. Those of English and Irish ancestry are present in large numbers in all the urban/suburban areas across the state. There is a large German population in Southwest Florida, a large Greek population in the Tarpon Springs area, a sizable Italian, Spanish, and Russian communities in Miami, and white Floridians of longer-present generations in the culturally southern areas of inland and northern Florida. Native white Floridians, especially those who have descended from long-time Florida families, affectionately refer to themselves as "Florida crackers." Like all the other southern states, they descend mainly from English and Scots-Irish settlers, as well as some other British settlers.[70] In and around St. Augustine are also several descendants of the Minorcans who fled there from British physician Andrew Turnbull's New Smyrna colony in 1768

The largest metropolitan area in the state as well as the entire southeastern United States is the South Florida metropolitan area, with about 5.5 million people. The Tampa Bay area, with over 2.7 million people, is the second largest metro area and Greater Orlando, with over 2 million people, is the third.

Florida has twenty Metropolitan Statistical Areas (MSAs) defined by the United States Office of Management and Budget (OMB). Thirty-nine of Florida's sixty-seven counties are in an MSA. Reflecting the distribution of population in Florida, Metropolitan areas in the state are concentrated around the coast of the peninsula. They form a continuous band on the east coast of Florida, stretching from the Jacksonville MSA to the Miami-Fort Lauderdale-Pompano Beach MSA, including every county on the east coast, with the exception of Monroe County. There is also a continuous band of MSAs on the west coast of the peninsula from the Tampa-St. Petersburg-Clearwater MSA to the Naples-Marco Island MSA, including all of the coastal counties from Hernando County to Collier County. The interior of the northern half of the peninsula also has several MSAs, connecting the east and west coast MSAs. A few MSAs are scattered across the Florida panhandle.


Jacksonville Miami Tampa St. Petersburg
Orlando Skyline at Night.jpgOrlando Fort Lauderdale Tallahassee Coral Springs

Languages
As of 2000, 76.91% of Florida residents age 5 and older spoke English at home as a first language, while 16.46% spoke Spanish, and French Creole (predominantly Haitian Creole) was spoken by 1.38% of the population. French was spoken by 0.83%, followed by German at 0.59%, and Italian at 0.44% of all residents. Also, Portuguese comprised 0.36%, while Tagalog made up 0.25% of speakers, Arabic was at 0.21% and Vietnamese at 0.20%. In all, 23.80% of Florida's population age 5 and older spoke a language other than English at home.[73]

As of 2005, 74.54% of Florida residents age 5 and older spoke English at home as a first language, while 18.65% spoke Spanish, and French Creole (predominantly Haitian Creole) was spoken by 1.73% of the population. French was spoken by 0.63%, followed by German at 0.45%, and Portuguese at 0.44% of all residents. Also, Italian comprised 0.32%, while Tagalog made up 0.30% of speakers, Vietnamese was at 0.25% and Arabic at 0.23%. In all, 25.45% of Florida's population age 5 and older spoke a language other than English.[73]

This means English decreased by -2.37%, Spanish increased +2.21%, French Creole (including Haitian Creole) increased by +0.35%, French decreased by -0.20%, German decreased by -0.14%, Italian decreased by -0.12%, Portuguese increased by +0.08%, Tagalog increased by +0.05%, Arabic increased by +0.02%, and Vietnamese increased by +0.05% of languages spoken.[73]

Florida's climate makes it a popular state for immigrants. Florida's public education system identifies over 200 first languages other than English spoken in the homes of students. In 1990, the League of United Latin American Citizens (LULAC) won a class action lawsuit against the state Florida Department of Education that required educators to be trained in teaching English for Speakers of Other Languages (ESOL).

Article II, Section 9, of the Florida Constitution provides that "English is the official language of the State of Florida." This provision was adopted in 1988 by a vote following an Initiative Petition.

Religion
As of the year 2000, the three largest denominational groups in Florida are Catholic, Evangelical Protestant, and Mainline Protestant.[74] The Catholic Church has the highest number of adherents in Florida (at 2,596,148), followed by the Southern Baptist Convention with 1,292,097 members reported and Judaism reporting 628,485 adherents.

Florida is mostly Protestant, but Roman Catholicism is the single largest denomination in the state. There is also a sizable Jewish community, located mainly in South Florida; no other Southern state has such a large Jewish population. Florida's current religious affiliations are shown in the table below:[75]

Roman Catholic, 26%
Protestant, 48%
Baptist, 9%
Methodist, 6%
Pentecostal, 3%
Jewish, 3%
Jehovah's Witness, 1%
Muslim, 1%
Orthodox, 1%
other religions, 1%
non-religious, 16%
Government
Main article: Government of Florida
See also: List of Florida Governors and United States Congressional Delegations from Florida

Florida Capitol buildings.The basic structure, duties, function, and operations of the government of the State of Florida are defined and established by the Florida Constitution, which establishes the basic law of the state and guarantees various rights and freedoms of the people. The state government consists of three separate branches: judicial, executive, and legislative. The legislature enacts bills, which, if signed by the governor, become Florida Statutes.

The Florida Legislature comprises the Florida Senate, which has 40 members, and the Florida House of Representatives, which has 120 members. The current Governor of Florida is Republican Charlie Crist. The Florida Supreme Court consists of a Chief Justice and six Justices.

There are 67 Counties in Florida, but some reports show only 66 because of Duval County, which is consolidated with the City of Jacksonville. There are 379 cities in Florida (out of 411) that report regularly to the Florida Department of Revenue, but there are other incorporated municipalities that do not. The primary source of revenue for the State government is sales tax, but the primary revenue source for cities and counties is property tax.

Statutes
All potable water resources have been controlled by the state government through five regional water authorities since 1972.[91]

The state repealed mandatory auto inspection in 1981.[92]

Health and public safety
Florida was ranked the fifth most dangerous state in 2009. Ranking was based on the record of serious felonies committed in 2008.[93]

There were 2.7 million Medicaid patients in Florida in 2009. The governor has proposed adding $2.6 billion to care for the expected 300,000 additional patients in 2011.[94]

Medicaid paid for 60% of all births in Florida in 2009.[95]

The state has a program for those not covered by Medicaid.

Architecture
While many houses and commercial buildings look similar to those elsewhere in the country, the state has appropriated some unique styles in some section of the state including Spanish revival, Florida vernacular, and Mediterranean Revival Style.[96][97]

Economy

Launch of Space Shuttle Columbia from the Kennedy Space Center
The Port of Miami is the world's largest cruise ship port, and is the headquarters of many of the world's largest cruise companies.
The Brickell Financial District in Miami contains the largest concentration of international banks in the U.S.[98][99]
South Florida's climate is ideal for growing sugarcane.The Gross Domestic Product (GDP) of Florida in 2007 was $734.5 billion. Its GDP is the fourth largest economy in the United States.[100] The major contributors to the state's gross output in 2007 were general services, financial services, trade, transportation and public utilities, manufacturing and construction respectively. In 2009, the state government had a budget of $66.5 billion.

Personal income
In 2009, Per Capita personal income was $37,780, ranking 24th in the nation.[101]

The state was one of the few states to not have a state minimum wage law until 2004, when voters passed a constitutional amendment establishing a state minimum wage and (unique among minimum wage laws) mandating that it be adjusted for inflation annually. For 2010, the calculated Florida minimum wage was lower than the Federal rate of $7.25, so the Federal rate controlled.[102]

Florida is one of the nine states that do not impose a personal income tax.

There were 2.4 million Floridians living in poverty in 2008. 18.4% of children 18 and younger were living in poverty.[103]

The state also had the second-highest credit card delinquency rate, with 1.45% of cardholders in the state more than 90 days delinquent on one or more credit cards.[104]

In 2010, over 2.5 million Floridians were on food stamps, up from 1.2 million in 2007. To qualify Floridians must make less than 133% of the federal poverty level. Under $29,000 for a family of four.[105]

Real estate
In the early 20th century, land speculators discovered Florida, and businessmen such as Henry Plant and Henry Flagler developed railroad systems, which led people to move in, drawn by the weather and local economies. From then on, tourism boomed, fueling a cycle of development that overwhelmed a great deal of farmland.

Because of the collective effect on the insurance industry of the hurricane claims of 2004, homeowners insurance has risen 40% to 60% and deductibles have risen.

At the end of the third quarter in 2008, Florida had the highest mortgage delinquency rate in the country, with 7.8% of mortgages delinquent at least 60 days.[104] A 2009 list of national housing markets that were hard hit in the real estate crash included a disproportionate number in Florida.[106] The early 21st century building boom left Florida with 300,000 vacant homes in 2009, according to state figures.[107] In 2009, the US Census Bureau estimated that Floridians spent an average 49.1% of personal income on housing-related costs, the third highest percentage in the country.[108]

In the third quarter of 2009, there were 278,189 delinquent loans, 80,327 foreclosures.[109] Sales of existing homes for February 2010 was 11,890, up 21% from the same month in 2009. Only two metropolitan areas showed a decrease in homes sold: Panama City and Brevard County. The average sales price for an existing house was $131,000, 7% decrease from the prior year.[110]

Labor
As of January 2010, the state's unemployment rate was 11.9%.[111]

Tourism
Tourism makes up the largest sector of the state economy. Warm weather and hundreds of miles of beaches attract about 60 million visitors to the state every year. Amusement parks, especially in the Orlando area, make up a significant portion of tourism. The Walt Disney World Resort is the largest vacation resort in the world, consisting of four theme parks and more than 20 hotels in Lake Buena Vista, Florida; it, and Universal Orlando Resort, Busch Gardens, SeaWorld, and other major parks drive state tourism. Many beach towns are also popular tourist destinations, particularly in the winter months. 23.2 million tourists visited Florida beaches in 2000, spending $21.9 billion.[112]

The public has a right to beach access under the public trust doctrine. However, some areas have access effectively blocked by private owners for a long distance.[113]

Industry
Phosphate mining, concentrated in the Bone Valley, is the state's third-largest industry. The state produces about 75% of the phosphate required by farmers in the United States and 25% of the world supply, with about 95% used for agriculture (90% for fertilizer and 5% for livestock feed supplements) and 5% used for other products.[114]

Since the arrival of the NASA Merritt Island launch sites on Cape Canaveral (most notably Kennedy Space Center) in 1962, Florida has developed a sizable aerospace industry.

Another major economic engine in Florida is the United States Military. There are currently 24 military bases in the state, housing three Unified Combatant Commands; United States Central Command in Tampa, United States Southern Command in Doral, and United States Special Operations Command in Tampa. There are 109,390 U.S. military personnel currently stationed in Florida,[115] contributing, directly and indirectly, $52 billion a year to the state's economy.[116]

Agriculture
Historically, Florida's economy was based upon cattle farming and agriculture (especially sugarcane, citrus, tomatoes, and strawberries).

The second largest industry is agriculture. Citrus fruit, especially oranges, are a major part of the economy, and Florida produces the majority of citrus fruit grown in the U.S. – in 2006 67% of all citrus, 74% of oranges, 58% of tangerines, and 54% of grapefruit. About 95% of commercial orange production in the state is destined for processing (mostly as orange juice, the official state beverage).[117] Citrus canker continues to be an issue of concern. Other products include sugarcane, strawberries, tomatoes and celery.[118] The Everglades Agricultural Area is a major center for agriculture. The environmental impact of agriculture—especially water pollution—is a major issue in Florida today.

Fishing
In 2009, fishing was a $6 billion industry, employing 60,000 jobs for sports and commercial purposes.[119]

Education

University of Florida in Gainesville
University of Miami in Coral GablesSee also: Education in Florida

Florida State University in TallahasseeFlorida's public primary and secondary schools are administered by the Florida Department of Education.

State University System
The State University System of Florida was founded in 1905, and is governed by the Florida Board of Governors. During the 2008 academic year 301,570 students attended one of these member institutions.

Private universities
Florida has many large and small private institutions. The Independent Colleges and Universities of Florida is an association of 28 private, educational institutions in the state.[120] This Association reported that their member institutions served over 121,000 students in the fall of 2006.[121]

Transportation
Main article: Transportation in Florida
Highways
Main article: State Roads in Florida

Map of Florida with major roads and citiesFlorida's interstates, state highways and U.S. Highways are maintained by the Florida Department of Transportation. Florida's interstate highway system contains 1,473 miles (2,371 km) of highway, and there are 9,934 miles (15,987 km) of non-interstate highway in the state, such as Florida state highways and U.S. Highways.

Florida's primary interstate routes include:

I-4, which bisects the state, connecting Tampa, Lakeland, Orlando, and Daytona Beach, connecting with I-95 in Daytona Beach and I-75 in Tampa.
I-10, which traverses the panhandle, connecting Jacksonville, Lake City, Tallahassee and Pensacola, with junctions with I-95 in Jacksonville and I-75 in Lake City.
I-75, which enters the state near Lake City (45 miles west of Jacksonville) and continues southward through Gainesville, Ocala, Tampa's eastern suburbs, Bradenton, Sarasota, Fort Myers and Naples, where it crosses the "Alligator Alley" as a toll road to Fort Lauderdale before turning southward and terminating in Hialeah/Miami Lakes having junctions with I-10 in Lake City and I-4 in Tampa.
I-95, which enters the state near Jacksonville and continues along the Atlantic Coast through Daytona Beach Melbourne/Titusville, Palm Bay, Vero Beach, Fort Pierce, Port Saint Lucie, Stuart, West Palm Beach, and Fort Lauderdale before terminating in Downtown Miami, with junctions with I-10 in Jacksonville and I-4 in Daytona Beach.

Miami's Palmetto Expressway is one of Florida's busiest roadsPrior to the construction of routes under the Federal Aid Highway Act of 1956, Florida began construction of a long cross-state toll road, Florida's Turnpike. The first section, from Fort Pierce south to the Golden Glades Interchange was completed in 1957. After a second section north through Orlando to Wildwood (near present-day The Villages), and a southward extension around Miami to Homestead, it was finished in 1974.

State highways are numbered according to a specific convention. The first digits of state highways, with some exceptions (such as State Road 112 connecting Interstate 95 to the Miami International Airport), are numbered with the first digit indicating what area of the state the road is in, from 1 in the north and east to 9 in the south and west. Major north-south state roads generally have one- or two-digit odd route numbers that increase from east to west, while major east-west state roads generally have one- or two-digit even route numbers that increase from north to south. Roads of secondary importance usually have three-digit route numbers. The first digit x of their route number is the same as the first digit of the road with two-digit number x0 to the immediate north. The three-digit route numbers also increase from north to south for even numbers and east to west for odd numbers.

Following this convention, State Road 907, or Alton Rd. on Miami Beach, is farther east than State Road 997, which is Krome Ave, or the farthest west north-south road in Miami-Dade County. One notable exception to the convention is State Road 826, or the Palmetto Expressway (pictured at the right heading north) which, although even numbered, is signed north-south. State roads can have anywhere from one to four digits depending on the importance and location of the road.[122] County roads often follow this same system.

Intercity rail

Miami International Airport is the world's 10th-largest cargo airportFlorida is served by Amtrak: Sanford, in Greater Orlando, is the southern terminus of the Amtrak Auto Train, which originates at Lorton, Virginia, south of Washington, D.C.. Orlando is also the eastern terminus of the Sunset Limited, which travels across the southern United States via New Orleans, Houston, and San Antonio to its western terminus of Los Angeles. Florida is served by two additional Amtrak trains (the Silver Star and the Silver Meteor), which operate between New York City and Miami.

The Florida Department of Transportation is preparing to build a high speed rail between Tampa, Lakeland and Orlando.[123] This is the first phase of the Florida High Speed Rail system.[124] Soil work began in July 2010[125][126] and construction of the line is slated to begin in 2011, with the initial Tampa-Orlando phase completed by 2014.[127]

Airports
See also: List of airports in Florida
Major international airports in Florida which processed more than 15 million passengers each in 2006 are Orlando International Airport (34,128,048), Miami International Airport (32,533,974), Fort Lauderdale-Hollywood International Airport(21,369,577) and Tampa International Airport (18,867,541).

Secondary airports, with annual passenger traffic exceeding 5 million each in 2006, include Southwest Florida International Airport (Fort Myers) (7,643,217), Palm Beach International Airport (West Palm Beach) (7,014,237),[128] and Jacksonville International Airport (5,946,188).

Regional Airports which processed over one million passengers each in 2006 are Pensacola (1,620,198) and Sarasota-Bradenton (1,423,113). Sanford, which is primarily served by international charter airlines processed 1,649,565 passengers in 2006

 

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