ST. JOHNS, Fla.–(BUSINESS WIRE)–The start of what is forecast to be an “above average” 2025 Atlantic hurricane season is just a month away and the Insurance Information Institute (Triple-I) is recommending homeowners, condo owners, renters and business owners prepare now.
Led by Colorado State University (CSU) senior research scientist Phil Klotzbach, Ph.D., a non-resident scholar at Triple-I, CSU’s TC RAMS research team forecasts 17 named storms, nine hurricanes and four major hurricanes during the 2025 season, which starts on June 1 and continues through Nov. 30. A typical Atlantic hurricane season has 14 named storms, seven hurricanes and three major hurricanes.
“During National Hurricane Preparedness Week, everyone who lives in a hurricane-prone community should take a few moments to ensure they have adequate financial protection for their property and possessions, while also taking steps to make their home or business more resilient to the impacts of wind and water,” said Triple-I CEO Sean Kevelighan.
“History has proven states along the Atlantic and Gulf coasts face the prospect of catastrophic, hurricane-caused property damage. With more Americans living in harm’s way than ever before, it is critical for everyone residing in a hurricane-prone community to make preparedness a priority for the upcoming season,” Kevelighan added.
National Hurricane Preparedness Week, spearheaded by the National Oceanic and Atmospheric Administration (NOAA), starts on Sunday, May 4, and continues through Saturday, May 10.
Triple-I’s hurricane preparedness tips for the 2025 season include:
Review Your Insurance Coverage: Make sure you have the right type – and amount – of property insurance. The Triple-I recommends you conduct an annual insurance review of your policy(ies) with your insurance professional.
“With home replacement costs escalating more than 55% since 2019 due to the rising costs of construction materials and labor, you should ask your insurance professional if you have the right amount of coverage to rebuild or repair your home, to replace its contents, and to cover temporary living expenses if your property is uninhabitable,” Kevelighan said. “You should also ask about flood insurance, which is an additional coverage to standard homeowners, condo and renters policies, as well as a small business insurance policy. Nearly 90% of U.S. natural disasters involve flooding so most areas of the country are prone to flooding.”
The best place to start the insurance review process is by reading the declarations page of your policy. It offers details on how much coverage you have, your deductibles, and how a claim will be paid.
Standard homeowners insurance covers the structure of your house for disasters such as hurricanes and windstorms, along with a host of other perils, such as fire. It is important to understand the elements that might affect your insurance payout after a hurricane and adjust your policies accordingly.
Flood insurance, which is a separate policy from your property coverage, is offered through FEMA’s National Flood Insurance Program (NFIP) and several private insurers.
Protect Your Vehicles: Comprehensive auto, which is an optional coverage, protects your vehicle against theft and damage caused by an incident other than a collision, including fire, flood, vandalism, hail, falling rocks or trees, and other hazards. Nearly 80 percent of U.S. drivers opt to purchase comprehensive coverage.
Make Sure Your Possessions are Adequately Protected: Consumers should determine the out-of-pocket cost of repurchasing their wind-damaged furniture, electronics, clothing and other personal possessions after a hurricane. Whether you have homeowners insurance, condo insurance or renters insurance, your policy provides protection against loss or damage to personal property due to a hurricane or tropical storm.
Creating an inventory of your belongings and their value will make it easier to see if you are sufficiently insured for either the replacement cost or the actual cash value of the items situated at your residence. When you create a photo or video catalog of your home’s possessions, it expedites the insurance claims process if you sustain damage from a storm.
Make Your Property More Resilient: Invest in risk mitigation to harden your property against wind damage, such as roof tie-downs, a wind-rated garage door and storm shutters. Triple-I also recommends you have your roof inspected annually by a licensed and bonded contractor to make sure it will withstand high winds and torrential rainfall.
ADDITIONAL RESOURCES
FACTS & STATISTICS
CONSUMER INFORMATION
Catastrophes: Insurance Issues
Hurricane Season Insurance Guide
How to Prepare for Hurricane Season
Hurricane Season Insurance Guide
Hurricane and Windstorm Deductibles
Understanding Your Insurance Deductible
Preparing an Effective Evacuation Plan
Settling Insurance Claims After a Disaster
Spotlight on Flood Insurance
Facts About Flood Insurance
Recovering from a Flood
INFOGRAPHICS
What Are Hurricane Deductibles?
How to Prepare for Hurricane Season
How to File a Flood Insurance Claim
Is Your Business Ready for Peak Hurricane Season?
EXTERNAL RESOURCES
FEMA’s National Flood Insurance Program (NFIP)
NFIP Information for Insurance Agents
RELATED VIDEOS
Dr. Klotzbach Discusses 2025 Atlantic Seasonal Hurricane Forecast
Hurricane Insurance Guide
Insurance Check-Up: Homeowners and Hurricane/Flood Insurance
Create a Home Inventory
About the Insurance Information Institute (Triple-I)
Since 1960, the Insurance Information Institute (Triple-I) has been the trusted voice of risk and insurance, delivering unique, data-driven insights to educate, elevate and connect consumers, industry professionals, policymakers and the media. An affiliate of The Institutes, Triple-I represents a diverse membership accounting for nearly 50% of all U.S. property/casualty premiums written. Our members include mutual and stock companies, personal and commercial lines, primary insurers and reinsurers – serving regional, national and global markets.
About The Institutes
The Institutes® are a not-for-profit comprised of diverse affiliates that educate, elevate, and connect people in the essential disciplines of risk management and insurance. Through products and services offered by The Institutes and nearly 20 affiliated business units, people and organizations are empowered to help those in need with a focus on understanding, predicting, and preventing losses to create a more resilient world.
The Institutes is a registered trademark of The Institutes. All rights reserved.
Contacts
Media Contact:
Florida Press Office
Mark Friedlander
904-806-7813
[email protected]
