I would be very interested in knowing that if anyone knows the answer to that question.

One of the "good" things about Charley was his small diameter and fast speed. Had he been larger in size and slower in movement with the same windspeed, he would have devastated the entire peninsula, and most likely would have avoided being sucked into Charlotte Harbor. Which means he could have gone further north to Sarasota/St. Pete/Tampa and gone up the bay.

As bad as Charley was, he could have been so much worse had he been larger and slower.

We see summer thunderstorms that do exactly what Charley did with Charlotte Harbor, because it's shallow and warmer than the Gulf usually (because it is shallower).