It is both. Ships used to be built to the largest waves that were conceivable. We underestimated the forces in a rogue wave by a factor of more than 5. Ships

It is both. Ships used to be built to the largest waves that were conceivable. We underestimated the forces in a rogue wave by a factor of more than 5. Ships today are built stronger, we are careful about seas where rogue waves are more common, and insurance now knows to take rogue waves into account in their policies. Better predictions as well would be good.