Lived on a 60' Norwegian SAR vessel for years. You learn limitations in the Arctic and N. Atlantic.
My house the morning after Michael. Garage slab at +7MSL. Habitable area floors at +15. Designed structurally for Cat 4 sustained, but fenestratiions only Cat 3+. Designed & built it myself. Photos taken after walking 530 ft up from my dock footer to make certain the boat was still on her mooring. Self-insured so far. When I get my CO, will negotiate with USAA. Neighbors in 3/4 mi radius come to visit for two nights while the eyes pass over.