What I do worry about is the cat 4 or 5 hurricane hitting the west coast of Florida coming up the center of Tampa Bay which is very shallow...
The storm surge could easily be plus 20 ' or more
I live far enough inland from the coast to not get flooded, but downtown Tampa, downtown St. Petersburg would be devastated to the tune of billions of dollars...
Thousands of people could also die from drowning if they did not evaluate, which is a good possibility since most of them have never experienced a cat 4 or 5 hurricane in their life time..
When I drive to DeFuniak Springs for shopping, I will often note the altitude at various locations. A good part of the trip is at around 300 feet or even more.
That should keep me safe from those tidal waves.