I completely sympathize as I'm in a similar boat. As I mentioned a few pages ago, clearly I made a mistake in booking now and forgetting insurance but it's the only trip I have ever booked and I'm not from anywhere that ever gets hurricanes. I genuinely, truly didn't know, and all the research I did just said "omg wow September so great, kids in school, low crowds, still warm, great!" Nothing that indicated I had such a high likelihood of having my entire trip devastated by the worst storm to have ever been recorded in the area...
I know lots of people here are veteran travelers, FL residents, people who can afford to make changes and I get it, I'm sure it's frustrating to see people like myself mope around. But I'm very low income and already mentally fragile on a good day, and seeing "you should have known better" is like twisting the knife. I do want to sincerely thank everyone who has been so helpful and informative, I've learned a lot and still trying to figure out what to do. I am leaning towards just going at this point because I don't know that I'll be able to cancel and afford to go again and only have til tomorrow morning to choose. I should have known better, but I didn't, and nothing can change that now.