A steady rain fell in the Tampa Bay area Wednesday morning as a mighty Hurricane Milton churned toward a potentially catastrophic collision with the west coast of Florida, where some residents insisted they would stay even after millions were ordered to evacuate. Stragglers face grim odds of surviving, officials said.

The Tampa Bay region, home to more than 3.3 million people, hasn’t seen a direct hit from a major hurricane in more than a century. Milton fluctuated between categories 4 and 5 as it approached, but regardless of the distinction in wind speeds, the National Hurricane Center said, it would be a major and extremely dangerous storm when its center makes landfall late Wednesday or early Thursday.