Florida stucco cracks for half a dozen reasons. The cause determines the repair — patching a settlement crack without addressing the underlying movement just makes it crack again next year.
Hairline shrinkage cracks (low concern)
These appear in the first year or two after stucco is applied as moisture leaves the mix. They're typically less than 1/16" wide, run in random patterns, and don't progress. Repair: paintable elastomeric sealant. Cost: $200-500.
Settlement cracks (medium concern)
Diagonal cracks at corners of windows, doors, and at the ground level. They indicate the slab or foundation has settled. If they're not progressing, sealant + paint matches. If they're widening, you need a structural engineer first.
Hurricane wind-load cracks (medium-high concern)
Often appear after a named storm. Wide cracks, often horizontal or stepped. Repair requires mesh + caulk-stop + re-stucco of the panel. We document these for insurance because they're often covered.
Spalling with rust staining (high concern)
The stucco is bulging or falling off, with rust-orange streaks. The embedded rebar has corroded — common in salt-air conditions. Repair requires fully removing the affected stucco, treating the rebar, and re-applying. Don't paint over it.
Structural cracks (urgent)
Cracks wider than 1/4", running through structural members, or accompanied by sagging. Get a structural engineer immediately before any cosmetic repair.