I've been lurking since the beginning but finally decided to make a post.
I'm also a Houstonian who was affected by Harvey and was excited to plan a trip to Gainesville to see an old friend with a side trip to WDW. I would've flown to Gainesville 9/9 and taken the bus to Orlando 9/10, and my fiance would've flown in from Texas on the evening of 9/10. Disney days planned 9/11-9/13 with
MNSSHP on 9/12. I didn't think I'd have a problem getting to Gainesville, but I didn't want to the run the risk of me getting stuck there or that only one of us would've made it to WDW on Sunday when Irma's scheduled to come close to Orlando.
Due to work, I wouldn't be allowed to make a last minute decision to change my vacation, so I ended up canceling everything today and pleading with my supervisors to move my vacation to 9/16 instead. I know some of the optimists are thinking that this hurricane will make a sharper turn north earlier or just go straight into the Gulf but for me, it wasn't worth the long nights worrying and watching for the next few days and risking having no vacation at all.
As far as canceling everything. Tickets can easily be reused until date of expiration if you haven't left yet. My hotel was thankfully refundable, but my flight was not. But that is why I use Chase Sapphire or an equivalent card (I read a few Citi Visa cards are similar). My card has
travel insurance of up to $10,000 per person for travel cancellation. One of the reasons for travel cancellation is severe weather that prevents any reasonable/prudent person from starting or continuing a trip. I started my claim form today with the help of a bank associate and was assured that me and my fiance meet the terms and should expect our trip to be covered. I saved one of the National Weather Service news articles detailing the foreseen impact on Florida for to hit home the severity of the storm should this all end up blowing over. It's a hassle collecting all the paperwork, but it is an option for some people who can't just eat up the costs of canceling/rescheduling a vacation. The trip cancellation protection covers travel (airline, bus, etc) and hotel if the tickets were not refundable. I was told that my Disney tickets would've also been refundable had they been purchased as a package. Just a thought for people who might not have realized their credit cards have some travel insurance coverage. FYI, I don't work for and have no affiliation with Chase at all.