So the silver lining is if the tree falls insurance will likely offset much of that cost and as long as nobody gets hurt, other than the hassle it’ll be a win in the long run.

I lived in hurricane country for some time and lost trees in storms. Mine never took out my house but damaged other structures on my property and I knew others who sustained house damage including one person who was in bed and woke to see a tree limb through their ceiling. Shit happens in life. Be safe and don’t panic and no sense really losing sleep over what ifs.