Eustis isn't only historic homes. The town has grown along its edges, and houses from the 1990s onward are mostly concrete-block construction, many with factory-built fireplaces inside framed, sided chases instead of true masonry chimneys. Different construction, different failure points.
On those homes, the usual culprits are up top: a thin metal chase cover that rusts through and streaks the siding, a builder-grade cap that loosens or blows off in a storm, and wind-driven rain finding the seams. None of it is exotic, and caught early, most of it is a quick, contained repair rather than a project.
Newer homes also bring gas fireplaces into the picture, and it's a common misconception that gas means maintenance-free. Gas units still vent through a flue, still depend on caps and covers to keep water and animals out, and still deserve a place on the annual checklist. The problems are just quieter than a wood-burner's until they aren't.
Hurricane season, June through November, is the stress test for both kinds of chimney. A pre-season check of the cap, cover, crown, and flashing (plus a walk-around after any named storm passes through Lake County) is the cheapest storm insurance a homeowner can get.