This is a good post.
One big factor too is that Florida has some of the best building codes around. You literally had Hurricane Irma's Category 3 eyewall move over downtown Naples, the Naples Airport recorded a wind gust to 142 mph, and then the backside was dry and weak. People literally were taking their dogs to poop like a thunderstorm had moved in a few minutes after the eyewall of this "monster" storm struck. Those building codes are amazing.
To be fair though, Irma's strange angle approach to the coast caused a reverse surge along much of the west coast. Charley's small size limited his surge along the coast. We have yet to see a major hurricane dragging up the western side of the peninsula yet. I'm curious how the surge would be.