[sailingdog]

It depends. The most novel approach I saw to hurricane preparation involved putting each boat into a pit, so that it was effectively in the ground up to the waterline, and then lines led to anchor points on embedded in the ground. This is probably the safest of the on-the-hard storage methods I've seen.

On the hard is probably safer, provided that the boat stands are properly chained together. And that there are no large trees or such other things near the storage area that might blow over onto the boats.

On the water has the problems of both high winds, and usually more problematic, high storm surge and waves.

One other possibility is getting a contract to store the boat with a marina that is further north. You usually have a few days notice, so this might be an option if the refuge marina is only a day's motoring away or so. Some insurers won't insure a boat in Florida, but will insure one in Georgia. Just something to think about. You don't say where in Florida you are, so this may not be an option for you.