My experience with hurricanes has been that most of the damage is not as spectacular as the press would like -- although some areas hit by tornadic winds or storm surge are flattened, the predominant issue is water damage and not by flooding, but wind driven rain -- Your home is designed to keep water out when it comes from the top and is pretty good in that regard usually -- but take even tropical storm force winds with rain and you are attacked sideways-- water leaks in through windows ( those little troughs at the bottom are no match for wind of hurricane speed -- the water is pushed through the bottom of the sill up and over the barriers and in). The same is true of doors, skylights, air conditioning vents, chimneys --places you wouldn't dream of cuz they are only tested when Charley, Frances, Jeanne or Wilma comes calling

The fun part is each attacks at a different angle and finds differnet cracks to penetrate your fortress. Once inside the water ruins homes -- particularly if the power is out --you can't dry things out before the mold attacks. And none of this is necessarily visible from the outside. Many homes locally have had to be gutted because of relatively minor leaks

I have one friend whose entire front wall was ruined not because of any visible leak, but because Frances battered his brick front home for 3 days and blew water through the masonry itself into the wooden/plaster interior. So you gotta even seal your bricks

Anyone want to move to Fl now -- got insects you wouldn't believe too