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The 13th named storm of the season made landfall in the Florida Panhandle on Wednesday.
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It is not so much the size of the hit, as the regularity of moderate cat events that is worrying risk-takers.
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It recognised the debate surrounding the “plausibility” of such scenarios.
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At least 22 people have been killed, with 3,000 power outages reported in Humphreys County as of Monday morning.
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The hurricane made landfall near Tulum, registering a 986mb pressure reading.
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While the total number of hurricanes has not changed significantly, the global proportion of major hurricanes has increased over the past 40 years.
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The tropical depression looks set to hit the Sunshine State in the early hours of Saturday morning.
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NHC says the weather system is likely to threaten Florida by the weekend.
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The German insurance association called the low-pressure system Bernd ‘one of the most devastating in recent history’.
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The deaths were reported in the town of Bad Neuenahr-Ahrweiler, south of Bonn and west of the Rhine river.
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The storm was the earliest named E storm, forming nearly six weeks earlier than average.
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A spell of tornadoes, rain and hailstorms across the continent drove the loss activity.