Turned out that the average weight of an American had increased in the decades since the Coast Guard had most recently set guidelines.
While I didn't find a link to the story, this news article [1] references a couple of boats sinking for that (assumed) reason and the Coast Guard increasing its average assumed weight per person by 25 pounds.
Makes me wonder about a lot of infrastructure for EVs. Bridges are an obvious one but I wonder about overpasses in areas that get a lot of standing traffic.
[1] https://eturbonews.com/overweight-americans-sink-old-boat-sa...