Bound4NC,
I wouldn't say that Fort Mill (Charlotte) won't ever get hit. It's been hit before (see below). The best analogy I can think of, is someone not moving to New York or D.C. because they are scared of terrorist attacks.
Hurricanes are bad, don't get me wrong - but the weather channel and CNN, etc. seem to have everyone (not from here) freaked out about hurricanes. Before Katrina, nobody nationally seemed concerned about them. Many people don't realize that the city of N.O. and the state of Louisiana were negligent in securing New Orleans in the event of a major hurricane. It was no secret that New Orleans would flood. The big stink was over the Fed's slow response afterward.
I understand you want to be informed, and you want to be safe. And I can't blame you. But you have to understand that in Charlotte, you're nowhere near the coast. A Cat 5 in Charleston would probably be a Cat 1 by Charlotte.
Worst-case scenario for said area was actually in Hugo: (from Wikipedia)
http://en.wikipedia.org/wiki/Hurricane_Hugo
"The storm made landfall in South Carolina on the evening of September 21 as a strong Category 4 hurricane on the Saffir-Simpson Hurricane Scale."
"The storm sped northward, with the center passing over Moncks Corner and close to Sumter. After landfall, Hugo weakened into a tropical storm while passing near Charlotte, North Carolina. The storm continued north as an extratropical low, finally tracking over the eastern Great Lakes and parts of eastern Canada."
"By the time it reached Charlotte, North Carolina, Hugo was still a Category 1 hurricane and was still strong enough to topple many trees across roads and houses leaving many without power, closing schools for as long as two weeks, and spawning several tornadoes. The storm took Charlotte by surprise; the city is 200 miles (320 km) inland and is frequently a stopover for people fleeing from the coast."
And to give you a better idea of what the categories really mean:
Cat 1:No real damage to building structures. Damage primarily to unanchored mobile homes, shrubbery, and trees.
Cat 2:Some roofing material, door, and window damage. Considerable damage to vegetation, mobile homes, etc.
Cat 3:Some structural damage to small residences and utility buildings, with a minor amount of curtainwall failures. Mobile homes are destroyed. Flooding near the coast destroys smaller structures with larger structures damaged by floating debris. Terrain may be flooded well inland.
Cat 4: More extensive curtainwall failures with some complete roof structure failure on small residences. Major erosion of beach areas. Terrain may be flooded well inland.
Cat 5: Complete roof failure on many residences and industrial buildings. Some complete building failures with small utility buildings blown over or away. Flooding causes major damage to lower floors of all structures near the shoreline. Massive evacuation of residential areas may be required.
Hope this is helpful. Good luck in your decision!
-Matt