IMO it's not about comfort. Many folks in the zones know there is a risk, but they've been through hurricanes with minimal to zero damage and feel they have good enough information to make a decision on their own.

The over-cautious nature of government causes the mind-set of taking what emergency-bureaucrats say as simply one of many inputs. Straight up, the evacuation of south Florida due to over-warning in preps for Hurricane Matthew will cause more people to disregard warnings for the next big hurricane to threaten south Florida.

Politicians & bureaucrats are pummeled for not making those over-cautious warnings ahead of serious storms, so they lean toward being over-cautious -- the only risk is a false alarm and they can live with that. However, the only warning some people will listen to is the last hurricane. After Katrina people took those warnings a little more seriously and then we had a few false alarms and people forgot Katrina. Matthew is another false alarm for south Florida and next time more people will disregard the warnings -- until the next major blow hits Miami and nice boats get piled up on each other in the marinas.

It's a cycle of over-warn/regard/disregard/get wiped out/start listening to the warnings again. For some people the cycle is vicious.