I am hauled at my club on a cradle with the mast down. I am at the east end of a row with the only sailboat heavier than me (a Tayana 45) immediately to the west. It screens the wind from the prevailing direction somewhat.
I hauled elsewhere last year with the mast up and also at the east end of a row of mostly smaller boats and a couple of large stinkpotters. When aboard, I could feel the stronger winds vibrating the whole structure. I think failing to dismast in blizzard areas is a false economy now, even though I personally incurred no damage.
Others did: This was during an 80 knot gust:
Due to both insurance regulations and (primarily) the potential for ice damage, we can't stay in the water here in many spots. Some places have ice barriers and bubblers, but we are exposed to westerly gales and waves. We actually dissemble part of the dock system to protect it, and to avoid what happened at another club:
