As mentioned earlier, a bit of wind or wave can easily do you.
Once when I came home to my schooner [40 LOD] I was greeted with several versions of "Have you seen your boat yet?" Naturally, this made me worry.
As I came down the dock, the first thing I saw was that she was still afloat. When I came up to her, I saw that about 1/4 of the port deck was folded neatly back. A microburst had come through and rolled her against the dock, ripping the deck up. The docklines held, though. We were in protected water and even though she took some water, no other damage was done.
There is really no such thing as protected water. Mother Nature is a bitch.