Waiting for a storm to hit, the speaker hunkers down, snug and safe in her study. Though Hurricane Floyd disrupts the business of daily life, it also allows time for daydreams. So, with time on her hands, the speaker finds herself daydreaming about her partner.
Everything the speaker sees, from the rain outside to the ink on the page, reminds her of her partner. She pictures him as a knight in shining armour, protecting her. He's a vivid contrast, she thinks, to the 'worthless' boys she used to date. She's embarrassed by how content their cosy, ordinary lives have made them. Yet she draws comfort from filling the 'stolen time' resulting from the hurricane's approach with thoughts of Fred.
The word 'apologia' means 'a defence'. A paraphrase of the poem's title might be, 'A Defence of Cosiness'.