RedactedNarrative: Operator was returning to the dock after fishing as it began to rain.  Operator stated that he had noticed a hazard earlier far from shore on the east side of the bay.  
  
  When the operator re-entered the bay he stayed to the north to avoid the hazard.  upon doing so he used a street light at the boat ramp for guidance.  Operator A was hunkered down behind the windshield due to the rain and didn't see the rock jetty until he attempted evasive maneuvers just prior to impact.  Operator's boat ended up grounded on the jetty.