Should I avoid hurricane season entirely?+
No, but book it differently. Most days in September are simply hot and rainy, not catastrophic, and prices are at their lowest. What matters is buying refundable accommodation, keeping a flexible flight, and watching the forecast from five days out, which is when tracks become meaningful. If you need certainty for a fixed week of your life, come between December and April instead.
Gulf coast or Atlantic coast?+
The Gulf side is calmer, shallower and warmer, with white sand and sunsets over the water, which suits slow mornings and easy swimming. The Atlantic side has surf, wind, cooler water and sunrises, which suits people who want the ocean to be a bit wild. For quiet in winter, the Gulf usually wins.
Are the insects as bad as people say?+
Seasonally, yes. From May to October mosquitoes are constant near water at dawn and dusk, and coastal areas add no see ums, tiny biting midges that go straight through ordinary window screens. In the dry winter months the problem nearly disappears. Repellent, long sleeves at sunset and avoiding still water at dusk handle almost all of it.