We don't live there yet, but we own our retirement dream house on Sanibel Island. It is a concrete block ground level house (built in the 70's so obviously not built to new codes) and like bigcmagor we spend a boatload of money to put in impact windows and doors when we bought it. We've watched the predicted track of Irma since last week and as of today we are on the storm surge list (right now it looks to be about 3 feet, but the predicted range is 8 to 12 feet) and the eye looks like it will pass right over our house. The island is also under a mandatory evacuation.
Today at work friends were asking if I was upset/nervous; I think they were expecting me to be in a panic. I shrugged and said, "The place is locked down, my insurance is paid up, my family and (most of our) friend are all safe, and I can't change the weather. Nothing to do now, but watch, wait and pray."
We owned a condo there when Hurricane Charley blew thru. He was supposed to be a Cat 1 heading to Tampa, but jumped to a Cat 4 and took a hard right turn at Sanibel/Captiva and wound up heading up the Caloosahatchee River. Our condo was ok, but the building got a new roof (it stayed on, it was just torn up) and a new elevator. Because Charley took a turn and didn't hit at high tide, there was no storm surge to speak of. We had friends that did not evacuate for that storm and we read in the local papers from down there that just before it was a direct hit, it took a teeny jog to the north (my DH was watching live coverage and remembered the weather guys talking about it). The local papers a few weeks later said that if it had not taken that little jog that "very few structures on the island would have withstood the storm and none of the people who stayed would have survived". We worry that the same friends have not evacuated and that they may not be so lucky this time. DH texted them yesterday just letting them know we're thinking of them and and to stay safe..hasn't heard anything. They are the sort of people who are probably helping everybody else get boarded up, etc, so I don't expect to hear from them until the storm has passed.
Terrible thing for so many folks...still hopeful that it'll shoot thru and burn itself out in the gulf somewhere.