FORT MYERS, Fla. — Kathy Sharp believed she would be safe at the Thunderbird Park, a mobile home community for retirees dotted with palm trees two miles from the Gulf of Mexico. For days, forecasters had indicated Hurricane Ian was heading toward Tampa.

But as the storm shifted and tore through Fort Myers, Sharp looked out a window and noticed pieces of her neighbor’s roof flying into the air. Not long after, her own home started to break apart, the fierce wind casting aluminum paneling into the swirl of airborne debris.