Having been here since 2002 and having survived the hurricanes of 2004 (Frances, Charlie, and Jean), I'd say that personal injury risk is rather slight. However, if Irma goes right up the peninsula of Florida, the chance of water intrusion into your house is significant.
Water can get in when shingles blow off, or get blown in around windows and doors. It can get in when the soffit vent under your eves blow out and the water blows into your attic that way. Water can also blow in through the roof vents. Water can even penetrate block walls if driven into the walls long enough with enough force.
Then, as someone mentioned, a few days later you have a serious mold problem if you haven't removed all the wet materials like carpet, drywall, furniture, clothing, etc. The cleanup is doable if you're here and able to do the physical labor, but if you left town or haven't returned for the winter, then the mold can be a very serious problem.
Of course, the lack of electricity doesn't help any since you can't run fans or AC to help dry out things. Good luck to everyone.
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