So it turns out that had we never left our little wooden house, we wouldn't have known that Tropical Storm Matthew had any effect on Caye Caulker at all. It didn't rain and all we could see at our home was the wind in the trees...but not such wind as to make us go inside to get out of it. It was more the kind of wind to get us to bring out the camera. Fun wind! The only damage we are aware of was from the high water tossing around loose boards on piers and pushing rocks and sea grass up onto the beach and peoples' property. Those with beachfront property had a day or two of cleanup.
If it ever got up to 50+ mph, we didn't notice.