The people's voice of reason
The people's voice of reason
Live in a hurricane zone? The good news is that the 2026 Atlantic hurricane season (which spans June 1 to November 30) is anticipated to be milder than usual. The National Oceanic and Atmospheric Administration (NOAA) predicts a 55% chance of below-normal activity, a 35% chance for a near-normal year, and a 70% probability of one to three major hurricanes.
But don’t let that create a false sense of security. Let’s not forget the devastation from Hurricane Helene, which struck the Southeast two years ago and caused 252 deaths and $78.7 billion in damages, proving to be the deadliest mainland hurricane to hit the U.S. since Katrina and one that caught many local residents by surprise.
If you own a home in a high-risk area, it’s natural to feel anxious or uncertain as hurricane season nears its peak. Thankfully, there are measures you can take to protect your loved ones and property. Read on for recommended steps from TheZebra.com to help you feel empowered and informed.
Determine if you’re in an area susceptible to tropical storms by doing some quick online research or checking your local weather sites. This is particularly important if you've moved to a new house in a different neighborhood, as even nearby locations can have different hurricane and flood risks based on various factors.
“Coastal zones have the highest risks of hurricane impacts from damaging winds and storm surges. Counties determine their own hurricane evacuation zones based on storm surge vulnerability mapping,” explains Mark Friedlander, senior director of media relations for the Insurance Information Institute. “While the boundaries are modeled using data provided by the National Hurricane Center, each county’s local emergency management office designates the specific zones and issues evacuation orders for those areas when warranted.”
Follow these tips:
Meteorologists usually can predict a hurricane's path three to five days in advance. Once a hurricane hits, conditions last an average of 12 to 18 hours, up to 24 for slow-moving ones. NOAA's new drone-assisted technology is expected to increase hurricane intensity forecast accuracy by 10%.
Hurricanes can be deceiving — the day before, it could be sunny. That's why you must pay close attention to weather reports or warnings from local authorities.
"Never rely on a single source of information," advises Joe Basset, founder and survival instructor for Valiant Outfitters, LLC. "Your first line of information is smartphones, municipal alerts, and weather apps. Also, check with your local city, town, or county to see what systems they use. But realize that communication infrastructure failures are common during hurricanes, so have a backup plan that includes an AM/FM transistor radio and an NOAA weather radio."
It’s crucial to gather essential emergency items well ahead of a major storm. These items include:
“You should actually have two separate emergency kits. One should be a single-container hurricane box that holds the essential supplies a family needs to safely shelter in place during a hurricane in the days that follow,” Bassett says. “Every family member should also have their own 72-hour ‘go-bag.’ The go-bag should include water, food, medications, a flashlight, batteries, phone chargers, copies of important documents, cash, clothing, hygiene items, and basic first aid supplies.”
Consider where you’ll go if you need to evacuate. Options include a hotel, a family or friend’s home, or an evacuation shelter. If you have time, practice your evacuation plan to avoid any confusion if and when a quick exit must happen.
“The safest place to shelter during a hurricane is often a hundred miles away from landfall,” Bassett continues. “Family should make evacuation decisions before emotions and traffic complicate the process. Know where you’ll go, how you’ll get there, who you’ll stay with, and how you’ll communicate if you are separated.”
Part of your pre-planning should include thinking through any medical needs you or your family members may have. Take stock of any medication or special equipment you should carry in the event of an evacuation, and have that list easily accessible. Additionally, mentally plan for how you’ll evacuate family members with mobility issues to prevent any panic during a real event.
In addition, find the appropriate online NOAA radio station and pay close attention to updates to know when it's time to evacuate.
What should I do in the event of an evacuation?
If you’ve been ordered to evacuate, give yourself enough time to pack the essentials and let your friends and family know you’re leaving home. Listen to and follow instructions by local officials: Don’t assume you can ride out a storm just because you’ve prepared your property.
Whether or not you evacuate or stay put, your home should be as safe and protected as possible. Follow these best practices:
After you've made sure your home’s exterior and garage are resilient, take stock of what's inside that you need to keep safe.
Keep hardcopy insurance policies, documents, and other valuables in a safe-deposit box, which will decrease the chance of damage during a hurricane or a resulting flood. Also, take digital photos of important documents on your phone and store them in the cloud.
Your emergency kit is invaluable, but you’ll also want to ensure you have additional items ready in advance of a storm.
Depending on where you’re located and the severity of the storm, you may not be required to evacuate. If you stay home, plan to stay safe.
A hurricane can bring plenty of unwanted surprises. Don’t let inadequate homeowners insurance coverage be one of them.
While you can’t purchase a product called “hurricane insurance,” parts of your standard homeowners policy should cover damage related to hurricanes. This damage is usually caused by what’s known as “covered perils.” The level of your personal property coverage may depend on your individual plan, while other structures are typically covered up to 10% of the primary dwelling limit.
“The aftermath of a major storm is the worst possible time to find out what your policy doesn’t cover,” says Beth Swanson, insurance analyst with The Zebra. “Flood damage is one of those things not covered. I think back to Hurricane Helene and its impact on Asheville, North Carolina, which is nowhere near the coast. Residents there experienced devastating flood damage that most people in that area never anticipated.”
Swanson cautions that standard homeowners policies don’t cover rising water, which includes storm surges, overflowing rivers or lakes, and rainwater accumulating on the ground and entering your home. That’s why it’s a good idea to purchase flood insurance, available separately through the National Flood Insurance Program (NFIP) or via a private insurer.
Note that if you live in a high-risk area, insurance companies might limit or withhold wind damage coverage. If it’s not included as part of your home insurance policy, you can seek out a special endorsement. Reach out to your carrier for more details if you’re unsure what’s in your policy.
Also ask your insurer about additional living expense coverage: If you’re forced from your home due to a covered peril, your insurer may pay some of the expenses you incur from being displaced.
“It’s also worth pulling out your policy’s declarations page before peak hurricane season and taking a close look at your deductibles, because you may have more than one,” continues Swanson. “A kitchen fire claim might carry a flat $2,500 deductible, but a wind damage claim after a major storm could trigger a separate hurricane or windstorm deductible coverage, often 3% to 5%. On a home insured for $400,000, that’s $12,000 to $20,000 out-of-pocket for your coverage to kick in.”
These percentage deductibles are increasingly common in coastal and storm-prone states. For better peace of mind, know your deductible numbers ahead of time and establish an emergency fund that can cover them if necessary.
Lastly, carefully inventory possessions inside and around your home by taking photos and gathering receipts and documentation — steps that will pay off if you need to file a claim later.
What about car insurance?
If you have comprehensive coverage, your car insurance will cover hurricane damage, including flood and falling objects. But that’s only if you have that coverage in advance of a hurricane’s arrival. That’s because insurers often restrict new policies and coverage changes leading up to and during storms.
“If your car is parked in your garage and the house collapses due to the storm, you need comprehensive auto coverage to replace it. Home insurance will not cover vehicle damage under any circumstances,” says Friedlander.
Once you're safe from the storm, begin the claims process as soon as possible.
"Many insurers provide mobile apps where you can file a claim and track progress throughout the claims process. You can also contact your carrier directly or your insurance agent to file a claim," says Friedlander.
Prepare an inventory of damaged or destroyed items and provide a copy to the claims adjuster along with copies of any receipts. Don't discard damaged items until the adjuster has visited. Record video or photos of the damage; if your property was destroyed, work from memory.
"Next, identify structural damage to your home and other structures such as a garage, gazebo, fence, tool shed, or in-ground swimming pool," Friedlander adds. "Make a list of everything you want to show the adjuster, such as cracks in the walls and missing roof tiles. You should also get your electrical system checked — most insurance companies pay for these inspections as part of the claims process."
Be cautious of unscrupulous actors, such as unlicensed independent adjusters and shady contractors aiming to take advantage of storm victims.
"Never sign a contract for repairs until you have discussed it with your insurer's assigned claims adjuster," cautions Friedlander.
Keep in mind that your policy should include additional living expenses or loss of use, which will cover temporary living costs if you're displaced from your home after a storm.
"Many carriers will arrange temporary lodging with direct billing from hotels so that you don't have to pay anything out-of-pocket. This coverage should cover hotel bills, restaurant meals, and expenses above and beyond what your customary living expenses would be at home," Friedlander says.
Recovery from a natural disaster is a gradual process, and hurricanes are no exception. It's going to take time to get back to normal, especially after damage or displacement. Be patient with yourself, and don't be afraid to ask for help from friends, family, and your community.
This story was produced by TheZebra.com and reviewed and distributed by Stacker.
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