A rare tornado touched down in Manhassett long island back in the summer of 2005. A few very large trees were uprooted and some thown clear into the harbor. One particularly large tree escaped collection and found it's way out to the Sound. With tides and currents, it slowly made it's way out towards The Race and out to sea. By the time it had made it almost all the way out, and it being a fully sap laden log, it was floating just below the surface. Approximately 40 feet long and over 3 feet in diameter, it was trouble waiting to happen.
Trouble came along as my 37' sloop sailed into the sound early in the morning. Silmaril is a Heritage 1 Ton, I won't go into too much depth here, but if you are not familiar with the construction, lets just say she is built like a tank. They really don't over build boats like that today.
I struck said tree close reaching at about 6.5kts, first driving the tree down the bow, under the keel, where it bounded up and struck the rudder full on, bending the 3" solid aluminum rudder shaft and driving the top of the rudder up into the counter under the transom. The noise of impact was something I had not heard since being aboard when a boat I was crewing on struck a large rock and came to a standstill.
I had thought I had some how miss plotted my route and had wandered onto one of the rock shoals that litter the north side of The Race.
I doubt that even the best skeg hung rudder would have been able to survive the impact. And may have even caused greater damage, possibly holing the hull below the waterline where the skeg connects to the hull.
I will agree with Jeff, it's more of a total design of the vessel, ie:
rig/hull/keel/rudder and proper design that dictates how balanced a sailboat is.
Silmaril is a wonderfully balanced boat. I was able to sail her 65 miles to my harbor, with the rudder jammed amidships, by just using sail trim to adust her course. Once at the harbor, I used the dingy to punt her to her slip.
In that instance, I don't know what type of hull would have come through unscathed, save for a full keel design, which has gone the way of the dodo bird in sailboat design.