Winter cruising is not, in fact, a particularly high risk activity. There are several hundred cruise ships roaming around the globe 365 days a year, and the number of times one of them encounters hurricane-force winds is perhaps once every few years. Your chances of actually experiencing anything like what the Anthem passengers encountered are incredibly low. Most of them time if there's a major storm, the ship can avoid the bulk of it. You might go through the edge of one and have slightly higher wave motion, but that doesn't knock things off ledges or require passengers to stay in their cabins.
I live in Washington, and a few years ago we had a massive wind storm that was knocking down trees and power lines, and I was lying in bed listening to the very loud wind and thinking hard about the big trees right next to our house on our neighbor's property, and about what would happen if one of them fell over. And of course we're expecting a massive earthquake any day now, and Mt. Rainier could erupt at any time. So you basically can't escape.
If you want to ensure you never encounter scary weather, you pretty much have to move to Arizona and stay there. It's one of the least disaster-prone places on earth. No tropical storms, no serious tornadoes, no volcanoes, no earthquakes, no swarms of locusts and very few rains of frogs. Even then, there's occasionally a big lightning storm with a lot of thunder. But the lightning tends to hit radio towers, and even if it hit the ground there's nothing to burn. High rates of skin cancer, though, so maybe lay in a supply of SPF 100.
