Hi Bob this thing is driving us crazy here in Tampa Bay as well because we remember Charley too. However, it is not possible to know the answers tonight because the information is simply not available yet. There is every possibility that this storm will be a rain event by the time the center gets to Florida. Either way, when the outer bands get closer it can throw tornados especially if there is a strong pressure gradient between a cold front to the north and the warm tropical air to the south. If the storm was headed away from you it could still throw a tornado and demolish the house next to you and leave you stand or vice versa. The only one who knows what is going to happen has not sent any heavenly messages yet.