In Florida wind damage isn't a huge factor for panels since the have pretty tight regulations. We built a home there almost 5 years ago and then the rules were if panels were used then the panels had to be able to withstand 160mph winds. Water and debris seemed to be much more dangerous to the panels than the wind itself. For us it didn't make economic sense to use the panels at the time since it wasn't a main residence. As for being ripped off the roof, I would guess that's more on the roof than the panels. If the roof comes off the panels certainly are. Most other states in hurricane zones have a 140mph wind rule, or at least they did then.
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