person A: I decided to ride out a hurricane in my home. It was one of the scariest experiences ever.
person B: Oh my_comma_ it must have been so scary! Do you live in an area commonly affected by hurricaines?
person A: I am in Florida_comma_ so yes. The sounds are the worst. The howling of the winds and the rain and debris pelting your home.
person B: Was your home damaged? Was anyone hurt in your area? I've never seen a hurricaine_comma_ except on the news. 
person A: I had a downed tree and roof damage_comma_ no one died around here but lots of homes were lost.
person B: You must have to pay a lot for insurance. The weather certainly is getting more unpredictable. 