Having survived Katrina, I understand the hassle of living in Hurricane country. A storm is predicted to hit your area, so you secure your home, your business, secure your boat, pack up all your prized possessions. Help your family do the same. Move what you can out of the danger area. Then the storm changes directions. If you have not had your life turned upside down by a hurricane in the last decade you might get complacent. If you wait till the last moment to make sure the storm is going to hit your locale, you may have to choose between getting your mom out of the senior home or securing your boat. If you live on your boat, it is obviously your main concern, hopefully behind your parents well being. If your boat is only one of your responsibilities, you have to choose what is most important.
A couple of years of that will have the insurance rates dropping back to reasonable rates and putting the responsibility for what happens to their boats right where it belongs, on the actual owners for their careless irresponsibility, and not on the rest of us, who do at least make an effort, to ensure the best chances for our boats' survival.
This should be factored in to insurance. The insurance companies should mandate, if you are facing a named storm, you must do the following: with a list of what is expected to be covered. A, B, C, D, E, F. If your choice is to evacuate your parents instead of securing your boat, and you boat is pulled off the bottom of the marina with all canvas and 5/16" dock lines the insurer is off the hook.