There are so many things to consider - and worry about - when boating. I'm going to put this in the bucket of: don't worry about it. I'm not saying one should never be concerned about a mooring; I've owned several and had them professionally inspected and serviced twice a year. What I mean is that for most pleasure boaters, in most instances, if you're on a mooring, it is of known provenance - either a municipal mooring field (e.g., Annapolis or Boot Key in Marathon) or privately owned, just like marinas (e.g., Sunset Bay in Stuart or Handy Boat in Falmouth, ME). They have an incentive/responsibility to maintain their moorings as they are providing them for a fee, and they also limit mooring use by boat size (usually length, which isn't perfect, but a common way to do this). Outside of formal mooring fields, anchoring is generally allowed. I've never used a mooring that wasn't my own, rented from a town/marina, or known to me (a trusted friend). Some folks will just pull any mooring anywhere - if you don't do that, and few of us would do that, not only for safety reasons but because it's someone else's property - then I put it in the "don't worry about it" bucket.