Doug, I've stored Hobie 14's and 16's throughout the winter for years without problems in Minnesota.

Are you storing on a trailer or on the ground?

I wrap with a couple of 18X24 tarps and tie down well at the corners. Hi winds and snowmobiles have been the biggest concern. Tramp stays on since it's covered anyway and lends stability to the frame.

I am able to store the mast inside an enclosed porch. We hoist and tie it up onto the exposed rafters.

Those boats are stored on the ground. We place 2x6 green treated planks lengthwise under the hulls so there is no ground contact.

Make certain your hulls are well drained. All my lines, etc. are removed and stored indoors.

Sail fast, Tom G