I used a storm-ish effect in my project, actually it was more for showing windage but you could do a similar thing for storms. I basically lightmapped the mesh on a seperate texture layer. You could add to that by adding ripples and more choppyer waves with extra white water for a storm.
First of all though you'll need a wave system, does your wave system need to cope with wake aswell or are you going to do that on a texture? You also need to decide what altitude your water will be viewed from - maybe you are better off with waves done just as a texture, or perhaps they need to be mesh animations...
First of all though you'll need a wave system, does your wave system need to cope with wake aswell or are you going to do that on a texture? You also need to decide what altitude your water will be viewed from - maybe you are better off with waves done just as a texture, or perhaps they need to be mesh animations...