Not that asking your insurance is unsound; I think that is a very good idea.
However, the AYBC anchor guidelines are listed on the below post, as well as some other means of estimating storm loads ("Tuning and Anchor Rode").
Sail Delmarva: Drogue and Parachute Sea Anchor Testing: A Summary for Small to Medium Cruising Catamarans
And certainly, in Florida, this is one item when going to the next size, when in doubt, is expected. Hurricanes are something else (I managed a facility that was RIGHT in front of Katrina in NOLA).
(when asked how he reached the starting holds on a difficult rock climbing problem that clearly favored taller climbers - he was perhaps 5'5")
"Well, I just climb up to them."
by Joe Brown, English rock climber
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