I said worse case scenario. Please understand I was not referring to your shingles; I meant losing the entire roof down to the rafter.
And you are correct; storms miss most people. But you cannot prepare after the storm.
I hate to sound too cynical, but a cat two; who cares unless you live in a mobile home? It's a cat 3 and above. In Tennesse where I now live, we're had remnants of of hurricane wash out the interstate between Tennessee and North Carolina merely from the rain .It looks months to repair. And those trees are not your friend; for as you have noted they fall on houses. Distance from the storm is your friend.
Standing your ground is great... if you are prepared. But please do three things; get more water, realize trees do not break up 150 mile per hour winds and you are in Alabama, not California. Like Florida, the rules are different.
Good luck.
Mike