Irma is one of the few storms that I want nothing to do with. The barrier islands on the Space Coast can handle about 8-10 feet of surge, so Matthew wasn't a problem. I saw evidence of about four feet of water rise after that. I stayed on the barrier island and didn't loose power or cable.
Irma is going to be a monster when at landfall, high-end Cat 4 or Cat 5 about the size of Floyd. Best case is it turns up between Florida and the Bahamas and Miami gets storm-force winds. Current models are looking at landfall along the Keys-Miami barrier and a curve up along the peninsula, which would subject the entire peninsula to hurricane-force winds. Surge would be the big threat at landfall, but as long as that stays away I'll be safe from wind and rain.
Edit:
For reference, Floyd's maximum strength was 921 mb with 155 mph winds, making it one of the lowest pressure Cat 4s ever. Hurricane David in 1979 attained 175 mph sustained winds at 924 mb. At that pressure, any reduction in size would lead to an increase in wind speed to Cat 5. The US weather model is saying landfall at 891 mb, lower than the 1935 Labor Day hurricane, which was the strongest hurricane to ever hit the US. Of course, models are notoriously bad at predicting storm strength and wind speed.
Also for reference, Katrina made landfall as a high-end Cat 3 (125 mph winds) and a central pressure of 920 mb. Again, the very low pressure compared to wind speed is indicative of a very large storm and recent weakening due to interaction with land. Landfall for very large storms comes more as a process than an event, so Katrina was already beginning to weaken before the center moved onshore. Andrew, on the other end of the size spectrum, made landfall in Homestead as a Cat 5 (160 mph winds) with a central pressure of 922 mb.
When looking at storm surge, storm size and central pressure typically matter much more than wind speed. While Andrew and Katrina made landfall at similar pressures, Andrew's storm surge was 10-12 feet while Katrina's reached 28 feet in place. Other hurricane notable for their weak winds but large surge were Ike (110 mph, 950 mb, 22 foot surge) and Gustav (110 mph, 955 mb, 15 foot surge).