BAY ST. LOUIS, Miss. - On Aug. 28, 2005, Donna Horstmann heeded the nonstop warnings issued by Hancock County emergency officials: All residents should leave all low-lying Gulf Coast towns in the county immediately. Hurricane Katrina is coming. It is a Category 5 storm, packing winds of 125 mph. When it makes landfall, it will bring a storm surge of 30 feet or more.