Sailing through storms seem to be a "no big deal" situation nowadays as there isn't much to worry about except for few holes.
How about a wave of abnormal size that only spawns in a storm area.
Wave of Terror (too dramatic?):
Spotable at reasonable distance followed by changing music.
3-5 (random count and place) holes on hit.
Fills up quarter of your boat with water on hit plus some holes on the starboard, port side.
No water if it hits the rear (minimal water on sloop), holes to the back side of the boat.
No holes if it hits front, water does fill regardless.
Random damage to players depending on their distance from the wave when it hits the boat.
It may seem overly powerful but it is just a suggestion of idea.
The amount of holes depend on ship to ship basis.
Thoughts?