Overreacting. Fay turned out to be NOTHING. It's just a run of the mill tropical storm.
That remains to be seen. The difference is duration. Forty-five mph winds and three-quarter of an inch an hour is high-normal for summer storms in Florida. The difference here is that this storm will be effecting many areas in the state for eight to twelve hours.
Soil becomes saturated and soft. Which means leaning trees can fall over even without any wind. Power poles, trees and structural supports that can easily stand normal 45 mph winds can fail when exposed to gusts over half a day that work them back and forth.
One of the greatest dangers is that people will completely discount the smaller, but still present, dangers. Localized flooding, downed trees and power lines, generators and sources of fire, like candles and oil lamps, and the other hazards, have to be respected.
While a tropical storm is not quite the same scale of hazard as a major hurricane this isn't the time to get complacent or careless.