Jacksonville takes its weather from two directions. Summer delivers the standard Florida afternoon: towering storms, torrential rain, and lightning, week after week from June into September. The Atlantic adds its own program: salt-laden onshore wind that works on metal chimney parts, and the multi-day coastal blows locals know as nor'easters, which push rain sideways for days at a time. Sideways rain finds gaps that vertical rain never tests: tired flashing, hairline crown cracks, mortar joints that looked fine from the ground.
Salt exposure is a gradient in a city this size. Close to the ocean and the Intracoastal, caps, chase covers, and flashing corrode noticeably faster and are worth checking more often; along the tidal St. Johns the effect is gentler but real; out on the Westside the mechanics are mostly inland: humidity, storm rain, and lightning. Wherever you sit on that gradient, the chimney is the most exposed thing on the house, and it takes every storm first.
Chimney leaks rarely announce themselves at the chimney. They show up as a ceiling stain a few feet away, a peeling corner, or a musty room nobody uses. Chimney leak repair starts with finding the true entry point (crown, cap, flashing, or brick that has simply been drinking rain all summer), because sealing the wrong spot reroutes water instead of stopping it. And in a city with real freezes, saturated masonry carries a second risk: brick that goes into a January cold snap full of water can spall when that water turns to ice. Breathable chimney waterproofing ahead of the summer rains protects against both seasons at once, which is a better deal here than almost anywhere else in Florida.
Hurricane season runs June through November, and tropical systems riding the coast or crossing the state can drag strong wind and rain bands over Duval County, enough to shift a loose cap or expose tired flashing. After a nearby storm, look at the stack from the ground and arrange an assessment if anything appears shifted, missing, or newly stained.