Gary Marchitello, head of Property Broking at Willis Towers Watson, explained, "Hurricane Michael will definitely have a short-term impact and create short-term insurance market disruption". It later weakened to a Category 1 hurricane, and there were reports it spawned possible tornadoes in central Georgia. The woman lived in a small cinderblock house about 150 yards from the Gulf and thought she would be OK.
Jason Gunderson of the Cajun Navy said flooding and downed power lines made most streets impassible.
While authorities are preparing to set up extra shelters and move people into more secure areas, they are also using FloridaDisaster.org top post notices on when residents can go back to their homes. Other buildings were stripped of their walls and roofs or ripped apart by downed trees and power lines.
"She was so attractive and she smiled so much that day", Amber Radney said.
Michael sprang quickly from a weekend tropical depression, going from a Category 2 on Tuesday to a Category 4 by the time it came ashore. "Insurers with the largest market shares in US states to be hit by Hurricane Michael have considerable exposures, but these are manageable given each company's overall policyholder surplus". Nine people had to be rescued by helicopter from a bathroom of a home in hard-hit Panama City after their roof collapsed, Petty Officer 3rd Class Ronald Hodges said. As Michael moved through the Mid-Atlantic Thursday and overnight, flash flood warnings were sent to people in towns from the coast to the slopes of the Appalachian Mountains. At 5 a.m., the storm was located about 30 miles west of Augusta.
"I just need to know he's OK", McCall said. "She loved God, she was Christian".
Michael's strength may reflect the effect of climate change on storms.
A water-level station in Apalachicola, close to where Michael came ashore, reported a surge of almost 8 feet (2.4 meters).
Charles Alexander, director of contingency operations for the U.S. Army Corps of Engineers, said there is no significant damage to dams or levees.
And, impressively, Michael's top sustained winds are growing again, to near 65 miles per hour (100 kph) at 5 a.m., with forecasters saying it will grow stronger still.
At least two deaths were blamed on Michael, the most powerful hurricane to hit the continental USA in over 50 years, and it wasn't done yet: Though weakened into a tropical storm, it continued to bring heavy rain and blustery winds to the Southeast as it pushed inland, soaking areas still recovering from Hurricane Florence.
At the White House, President Donald Trump said, "God bless everyone because it's going to be a rough one", he said.
Phone service to the most damaged areas was down, leaving survivors no way to contact anxious relatives.
Hours earlier, meteorologists watched satellite imagery in complete awe as the storm intensified.
The strongest storm to hit the continental USA since Hurricane Andrew in 1992, Michael dashed homes into pieces, swallowed marinas and left piles of rubble where shopping centers once stood.
Forecaster Amy Hodgson, of The Weather Channel, said: "Latest model guidance indicates an eastward movement across the North Atlantic, and it will merge with a larger area of low pressure".
Gulf Power, which provides electricity to northwest Florida, said it had about 112,000 customers without power.
The department said that the fire engine had its lights and other emergency equipment activated, but roads were slick and the storm conditions were heavy. So many families have lost everything. But without extensive study, they can not directly link a single weather event to the changing climate. The governor pleaded with people in the hard-hit areas to stay away for now.