I don’t understand why you think going out in a little rain or even a hurricane is pekuach nefesh. Most shuls and homes are heated so there is no chance of catching of pneumonia. As far as getting struck by lightning, you got a better chance of winning the lotto.
In my opinion it is better to go to shul and daven with a minyan and sanctify Hashem then daven at home. Hashem will protect you both coming and going to shul as it is a mitzvah. Kriyas Hatorah & Kaddish can’t be said unless there is a minyan. This is just my opinion and I am not an expert in this field. Please contact your local Orthodox Rabbi who will probably be in the shul so you might as well go anyway.