Nothing to Stop the Wind
Stand on Miami Beach facing the ocean. Look out at the horizon - there's nothing between you and Africa but thousands of miles of open water. When a hurricane approaches, wind accelerates across that smooth ocean surface without any friction to slow it down.
This is Exposure Category D - the most severe wind exposure in ASCE 7. Water surfaces are basically frictionless to wind. No buildings, no trees, no terrain roughness. The wind builds speed and momentum for miles before slamming into the coast.
That's why coastal Miami-Dade buildings must be engineered for extreme wind loads that would seem excessive just a few miles inland.