Every time I saw a photo of a boat owner tying up to the dock and doublechecking his knots I had to think that he was just plain crazy to underestimate the force of those winds and waves.
In SC, we had terrific deep rivers we could run up, for many miles. In a lot of FL, the marina is the only option. In general, steel boats use their fiberglass neighbors as fenders, and come through with cosmetic damage. Their fiberglass and wood boats get crushed and splintered against pilings and each other, and sink. Even when steel boats are carried inland or beached by the wind, waves and surge, they can be refloated with no loss of hull integrity.