One of four children, Florence's earliest memories are of walking to school about 1918. She also recalls raiding the neighbour's orchard for fruit when she was supposed to be collecting turnips.
After leaving school she worked as a seamstress making knickers and camisoles in a small factory. She married milkman Leslie Lumb in 1938, on the eve of World War II, had two daughters and adopted a son.
Eldest daughter Sheila immigrated to New Zealand with her family in 1968; her parents and sister followed a year later. They settled near Dunedin and worked at a woollen mill in Milton.
Sheila, Florence and Leslie moved to the Bay of Islands about 15 years ago.
Florence is in good health but dementia means her recall of recent events is limited. However, her thick Yorkshire accent and mischievous sense of humour are undimmed.
"She says what she thinks and likes a good laugh. She's got a bit of cheek with it," family friend Doreen Haywood said.
Florence has at least 10 grandchildren, five great-grandchildren and three great-great-grandchildren.