Boats do make a stupid amount of noise while you're trying to sleep. Time is sped up while you sleep, so it's probably the sound of the boat crashing on the waves really fast. Luckily it doesn't normally take damage from that by itself, but boats can take damage from hitting rocks or the ground during storms. (A lot of people, me included, break down the boat in shallow water when it's not in use to make sure they get all the materials back. If the nails sink too far in the water you won't get them back.)