I wouldn't worry too much. FEMA will replace your MS3 with one made from high-grade, Made in the ol' US of A asbestos.
Cat 2+ and I would get the hell out of dodge no matter where you are!
Pro5x2, you probably remember Wilma a couple of years back. That was a cat 1 and it was a nightmare! If any place is prepared to deal with a hurricane, it's S. FL and it still took some people a month to get power back on!