A lot of
ifs to consider.
Since the OP was talking about CCV and weather, I'll stay on that for a bit. I have been there for several tropical storms and there's no place I would rather be. The airport was closed down for a few days, and CCV gave us free room and board. Every day, they would load our bags, take is to the airport, then, after the airlines announced another cancellation, CCV picked up our bags for us and took us "home" for lunch and dinner. Fantasy Island charged their guests for the additional nights. FI made the guests load their own bags. AKR put their guests up, but the restaurant charged and the guest bags were trucked over uncovered in the downpour. I definitely noticed the level of grumpiness in the various guests. We were kind-of happy to go back to CCV until Tuesday (the first flight out) and enjoyed free rum punch for those 3 days. Your experience may vary.
CCV is really not 3' above high tide. The shoreline units are maybe 1.75' above, and the many units that sit on posts are 4.5' floor height. In that Storms rarely hit from the South, this has been sufficient. Even during the wind exposure from Mitch, there was inconsequential damage. The same weather destroyed the well sheltered docks at North side's AKR and wiped out much of the Garifuna settlement, including Ben's Dive Shop which promised to be an exciting offering- it never came back.
1998, Hurricane Mitch apparently had no GPS....
On another note, a bit of historical fact and correction (minutiae) : Hurricane Mitch (98) did not miss Roatan by being to the South, it hit Guanaja 18 miles to the West. During that storm, only one fatality was directly attributed to storm and wind debris, this was on Guanaja. Yes, on the mainland, there were an astounding estimated 12,000 fatalities.
The weather effect that struck me as most bizarre was after that record breaking storm cleared- the Seas on the South were dead calm and remained 12" higher than I had ever seen them- for about a week. Low pressure and residual basin surge? I don't know, but it was very spooky.
Storms in October/November... it's an issue all over... Storms can be a bugger anywhere in the Caribbean basin, you can look at historical storm tracks and past statistics. What's going to happen is what's going to happen. Insurance might be a good idea no matter where you go.
Pick your housing or resort with care, in many ways, you get what you pay for.
As to airlines, the interesting fact about storm delays on RTB is that the airlines are trying to get there with their new guests. This is now an empty aircraft that you were supposed to be getting on anyway, so there's not much of a problem... once they start flying again after any weather. Other destinations might likely have lots of "new" Northbound customers desiring to get home, ex-pats and long-term types ready to get back to their jobs that support the yacht or vacation home~ not so much on Roatan.