So what is your recourse? That part is simple; you can prepare the best you possibly can for a "possible" strike. This means having a hurricane plan, having a hurricane disaster kit, having all the essentials to go it completely alone for at least a few days, and finally making your home or residence as wind and water resistant as possible.
Some builders now make homes that are basically wind resistant from even the strongest hurricanes. There are examples on the web that show destroyed homes in the eyewall of CAT 4 hurricane Charley, but in the mist of this disaster a well-built home with virtually NO DAMAGE. It is possible and it is available.
I know what you are thinking, "Steve, I'm not buying or building a new home." That means you need to make your existing residence as wind-proof as possible by adopting as many of the latest techniques as possible (wind-resistant windows and garages, roof tie-downs, and many other options).
It turns out that in Florida, some of you can qualify for matching funds for doing some of these things to your home! And in every coastal state there are wind insurance discounts based on how well-built your home is. Check it out for your state. Florida is the leader in this effort, but I hope all hurricane-prone states follow its lead.
As best I can tell, in the future, homes will have a hurricane wind rating 0-100 (100 being the best). The resale value on your home would be much higher if your home was rated an "80" rather than a "20"! So you are investing in your home by mitigating against wind and you will likely save quiet a bit on the wind insurance you are paying for today.
There is one potentially huge benefit from your home mitigation effort. Assuming you are not in a flood plain or on the beach where water can get you, your home could be your safe haven, and you can forget about those huge evacuation messes! But if you live in a flood-prone area or next to the ocean, you should be prepared to evacuate when asked to; just make sure you have flood insurance.
So when the next season hurricane forecast comes out, don't get scared just get prepared!
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