Hurricane Irma set all sorts of records for brute strength before crashing into Florida, flattening islands in the Caribbean and swamping the Florida Keys.

It finally hit the mainland as a big, wide beast, but not quite as monstrous as once feared. The once-Category 5 storm lost some of its power on the northern Cuba coast.

It’s still raking Florida with devastating storm surges, winds and rain. Its top sustained winds are now 110 mph and the center of the storm is about 15 miles inland from Fort Myers.

Irma should be moving directly over the Tampa Bay area around midnight. Residents of the highly populated area are fearing the worst.

A report by CoreLogic, the global property data firm, found nearly 455,000 Tampa Bay homes could be damaged by storm surges, the most of any major US metro area other than Miami and New York. Rebuilding those homes could cost $81 billion.

The reason Tampa Bay is so vulnerable is that the bay acts as a funnel for storm surges, forcing water into narrow channels with nowhere else to go.