Yes we're counting on a direct hit. Fortunately our home is on concrete stilts about 3 meters up, without anything on the ground level. Still I expect catastrophic damage, including loss of the roof and potentially a lot more. We're more concernd about our friends who live in the Keys year-round, who will see their homes destroyed and lives thrown in chaos. For us the effects are less severe, even if the whole house is lost. We do have adequate flood and wind insirance (which runs almost $1,000 a month, so the risks are well-known). All that's left is to pray for all those in the storm's path.
