I'm not sure I'm aware of what problem this is... any missile that should properly be able to avoid terrain already has it's "terrain follow" flag enabled in the database, other missiles should run into mountains and such if fired through them.
Or do you mean ships that fire their missiles at targets and then they hit the island... not much we can do about that I'm afraid, without giving those missile inappropriate terrain following characteristics.
I hope this answers your question.
Cheers,
David
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LW

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