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WRAPUP 16-Weakening but still potent Irma aims full force at Florida's Gulf Coast

Coast@ (Adds color, quotes, details from Gulf Coast, updates power outages)

* Hurricane makes second Florida landfall at Marco Island

* Curfews ordered amid looting in several counties

* Storm downgraded to Category 2 as it nears Fort Myers

* Trump calls storm "some big monster"

FORT MYERS, Fla./MIAMI Sept 10 (Reuters) - A weakening but still potent Hurricane Irma lashed Florida's Gulf Coast on Sunday with tree-bending winds, pounding rain and surging surf, leaving millions of homes and businesses without power while flooding streets and swaying skyscrapers across the state in Miami.

In storm-battered towns up and down Florida's western shores - from Naples and Fort Myers north through Sarasota, Tampa and St. Petersburg - residents huddled with relatives, neighbors and pets to ride out a hurricane that had ranked as one of the Atlantic's most powerful in a century.

"I've lived here 21 years, and I never imagined we'd get a direct hit," Shelli Connelly, 55, said as she stood on the sixth-floor balcony of her high-rise condo on Marco Island, where Irma made its second Florida landfall hours after barreling through the resort archipelago of the Florida Keys.

Opting to stay put with her four dogs rather than join evacuations, Connelly said the experience was "very scary."

"You saw the doors moving, the chandeliers shaking. It was very loud," she told Reuters as she watched the storm surge move in from the Gulf of Mexico following fierce winds that blew out windows in nearby buildings, stripped trees and slammed cars together in the parking lot below.

Irma's center came ashore at Marco Island not long after it was downgraded to a Category 3 storm from a Category 4 on the five-point Saffir-Simpson hurricane scale, with maximum sustained winds of 120 miles per hour (195 kph).

A few hours later, it was downgraded again to Category 2, with maximum sustained wind gusts of 110 mph (175 kph), the National Hurricane Center reported in Miami.

Forecasters warned that Irma remained dangerous as it toppled trees and power lines, tore up roofs and threatened coastal areas with storm surges as high as 15 feet (4.6 m). Tornadoes were also spotted through the southern part of the state.

"Aerial video footage broadcast by local television showed what appeared to be extensive flooding of a mobile-home park in Naples, an upscale beach town about a dozen miles (19 km) north of Marco Island.

Some 6.5 million people, about a third of the state's population, had been ordered to evacuate southern Florida as the storm approached the U.S. mainland after pummeling Cuba with 36-foot-tall (11-m) waves and ravaging several smaller Caribbean islands.

An estimated 170,000 people were lodged in some 650 emergency shelters as of early evening, according to the Florida Division of Emergency Management.

"This is a life-threatening situation," Governor Rick Scott told a news conference. Curfews were declared in numerous communities on Sunday evening, including Tampa, St. Petersburg and the central Florida resort city of Orlando as several Florida counties reported arrests of looters taking advantage of homes left vacant by evacuations.

The storm killed at least 28 people as it raged through the Caribbean en route to Florida. On Sunday, Irma claimed its first U.S. fatality - a man found dead in a pickup truck that had crashed into a tree in high winds in the town of Marathon, in the Keys.

The storm's westward tilt to Florida's Gulf Coast spared the densely populated Miami area the brunt of its wrath, but the state's biggest city was anything but unscathed.

Miami apartment towers swayed in the high winds, two construction cranes were toppled, and small white-capped waves could be seen in flooded streets between Miami office towers.

GOING IT ALONE

One woman in Miami's Little Haiti neighborhood was forced to deliver her own baby because emergency responders were unable to reach her, the city of Miami said on Twitter. Mother and infant were later taken to a hospital, it said.

Waves poured over a Miami seawall, flooding streets waist-deep in places around Brickell Avenue, which runs a couple of blocks from the waterfront through the financial district and past foreign consulates. High-rise apartment buildings were left standing like islands in the flood.

"We feel the building swaying all the time," restaurant owner Deme Lomas said in a phone interview from his 35th-floor apartment. "It's like being on a ship."

Last week, Irma ranked as one of the most powerful hurricanes ever documented in the Atlantic, one of only a handful of Category 5 storms known to have packed sustained winds at 185 mph (297 kph)or more.

Irma is expected to cause billions of dollars in damage to the third-most-populous U.S. state, a major tourism hub with an economy that generates about 5 percent of U.S. gross domestic product.

More than 3.4 million homes and businesses had lost power, according to Florida Power & Light and other utilities.

On Marco Island, home to about 17,000 residents, 67-year-old Kathleen Turner and her husband rode out the storm on the second floor of a friend's condominium after failing to find a flight out. She feared for her canal-facing home.

"I'm feeling better than being in my house, but I'm worried about my home, about whats going to happen," Turner said.

"I am prepared to say goodbye to my things, and that is hard," Allison McCarthy Cruse, 42, said as she huddled with seven other adults, three children and seven dogs in the home of a neighbor just blocks from the water in St. Petersburg. She said she feared the roof on her own house might not survive.

Irma comes just days after Hurricane Harvey dumped record-breaking rain in Texas, killing at least 60 people and causing unprecedented flooding and an estimated $180 billion in property damage. Almost three months remain in the Atlantic hurricane season, which runs through November.

U.S. President Donald Trump, acting at the governor's request, approved a major disaster declaration for Florida on Sunday, freeing up emergency federal aid in response to Irma, which he called "some big monster."

Earlier, Trump issued a disaster declaration for the U.S. territory of Puerto Rico, which was hit by the storm last week, the White House said.

(Additional reporting by Sarah Marsh in Remedios, Cuba, Marc Frank in Havana, Bernie Woodall, Ben Gruber and Andy Sullivan in Miami, Colleen Jenkins in Winston-Salem, N.C., David Shepardson, Doina Chiacu and Roberta Rampton in Washington and Scott DiSavino in New York; Writing by Scott Malone and Steve Gorman; Editing by Andrew Hay and Peter Cooney)