HAZARD

Hurricane

Wind, surge, and inland flooding combine — coastal exposure is the biggest driver.

FEMA National Risk Index & Ready.gov (reviewed) · reviewed 2026-07-06

What raises the risk

• Coastal or low-lying location in a tropical-storm corridor.
• Older construction not built to modern wind codes.
• Trees and loose objects near the home.

How to prepare

• Reinforce roof, windows, and doors; keep shutters or plywood ready.
• Have an evacuation plan, supplies, and a way to receive official alerts.
• Document belongings with photos before a storm season begins.

Insurance

Hurricane losses may involve separate wind and flood coverage with their own deductibles. Review both with a licensed agent well before storm season.