Totally disagree with the “surge is already baked in” notion with small storms. With a large storm like Helene, Ike, Katrina, Laura, yes, sure. If it was a large strong hurricane when the storms winds reached shelf waters, landfall intensity matters very little for surge values. There is nothing wrong with over-preparing and I think Florida did an incredible job getting people out of harms way. The majority of the deaths from this storm were from the tornado outbreak which you cannot really prepare for