A report by the Insurance Journal says that hurricane-force winds are likely in Cape Hatteras, North Carolina, Miami Beach and Naples, Florida.

"Cape Hatteras has a 10.31 percent chance of experiencing hurricane-force winds this year, followed by Miami Beach at 10.16 percent and Naples at 10.01 percent, based on an analysis of hurricane tracks during the past 154 years and of ocean and climate conditions for 2005."

That's a one-in-10 chance that your house will at least experience roof damage and that you could be sitting in the dark for several days. If you buy a lottery ticket every week for a one-in-several-million chance to get rich, doesn't it make sense to prepare for a one-in-10 or even a one-in-a-100 chance of something bad happening?

Don't forget about the Florida Hurricane Tax Holiday, June 1 - 12.