Most of us tend to overestimate wind speed from shore or in boat.
Not the best vantage point, and please forgive the smartphone size/quality, but this was a blustery day on an inland lake with fetch ~1.5M, current ~ 0 (slack HT). Anemometer (hamming it up) digital display=kts. Note the slight change in texture of the water with a gust, from smoothish to grainier, and Old Glory's behavior. Note also the start of foam "trails"
IMG_1092.m4v
gary