I know the ocean is different: I've only been caught on the Gulf in a storm once, and fortunately I was not the skipper. We had launched from the beach, so had to come in the same way. There was no way to "ride out" the storm, so we had to break the surf and get to the trailer. But dude knew what he was about - it was scary, but I never felt life threatened.
Inland here in TN, sometimes you can actually duck into a cove and just hold it together until the worst passes through.
