Ms. Nelson will wait for the land-border restrictions to lift. Others, meanwhile, are trying to find creative workarounds.

“People have said, ‘Can you help us?’” said Amy Russo Coleman, who owns Roadies Car Delivery Service, a company that transports cars and personal belongings for snowbirds. “I’m like, ‘Listen, I can’t get in. I don’t know about y’all getting out, but I’m not Superman. I can’t lie to get across the border — you know, there are rules now.’”

Early last month, Susanne Heger, 57, traveled from Germany to the Dominican Republic for 17 days: just enough time to outlast the Schengen Area travel ban, which bars most visitors who have been in Europe in the last 14 days from entering the United States.

From there, she continued on to Florida, where she and her husband own three homes. About a week and a half after she landed in Miami, Germany announced a partial shutdown.

“My husband and I are so glad that we’re not there anymore,” said Ms. Heger, a journalist and author. “It’s much easier in Florida — you can have social distance, you stay outside, you breathe fresh air.”

Ms. Heger and her husband, whose primary residence is in Wildeshausen, Germany, will spend six months in Florida, rotating between their homes. Their Naples condo will be occupied by the same New Jersey resident who has been coming every fall since 2015. But for the first time, their 2,700-square-foot house in Bonita Springs will welcome not a single European.

“All of a sudden we got people from Miami — even the other side of Florida,” Ms. Heger said. “That’s just something we never had before.”