My biggest fear is fire aboard. Yes, a neighboring boat fire at a marina is a serious concern. But fire aboard when away from help is my biggest fear. In the event of a marina fire I would likely have avenues of escape. The boat may be a loss but that's recoverable. A fire aboard when in a remote BC or Ak area would be another matter entirely.
My next biggest fear and not far behind fire is flooding. My boat, and I think most recreational boats, don't have good watertight integrity. Major flooding anywhere in the boat could flood the engine room and disable the boat and the ability to de-water.
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