Keith,' and 'Marco,' and even 'Andrew' wasn't THAT bad. Even 'Andrew' brought only minimal hurricane conditions as far north as the southern part of Naples. Hurricanes are killers. They damage property and disrupt lives. Rainfall and storm surge cause flooding.
Winds destroy homes and businesses.
Plan ahead for the storm that will someday strike our area. It WILL happen. Hundred year storms indicate one so severe that statistically it's not likely to happen again for a long time, sort of a once in a lifetime event. A 500 year event would be catastrophic, of a scale that can not be imagined. On the shorter scale, a 25 year storm won't happen every 25 years, but is an event that could happen fairly often, and is usually less severe, though damage may still be extensive.