Facts + Statistics: Hurricanes

The official Atlantic hurricane season runs from June through November, but occasionally storms form outside those months. September is the most common month for hurricanes making landfall in the U.S., followed by August and October, according to an analysis of 1851 to 2015 data by the National Oceanic and Atmospheric Administration. No hurricanes made U.S. landfall before June and after November during the period studied.

A tropical cyclone is a rotating low-pressure weather system that has organized thunderstorms but no fronts, according to the National Oceanic and Atmospheric Administration. Hurricanes are tropical cyclones whose sustained winds have reached 74 mph. At this point the hurricane reaches category 1 on the Saffir-Simpson Hurricane Wind Scale, which has a range of 1 to 5, based on the hurricane's intensity at the time of landfall at the location experiencing the strongest winds. The scale provides examples of the type of damage and impacts in the United States associated with winds of the indicated intensity. It does not address the potential for other hurricane-related phenomena such as storm surge, rainfall-induced floods and tornadoes.

2020 Hurricane Season

Atlantic Basin: 2020 Atlantic hurricane season activity is projected to be extremely active, according to Triple-I non-resident scholar Dr. Phil Klotzbach and his team at Colorado State University (CSU). The CSU team’s August 5 forecast calls for 24 named storms (including the nine named storms that already formed as of July 4), 12 hurricanes, and 5 major hurricanes, with above-normal probability for major hurricanes making landfall along the continental United States coastline and in the Caribbean. A typical year has 12 named storms, six hurricanes, and three major hurricanes. Major hurricanes are defined as Category 3, 4, and 5 storms, where wind speeds reach at least 111 miles per hour. The active 2020 season is partly due to a warmer than normal tropical Atlantic and subtropical Atlantic. On October 14 a two-week Atlantic hurricane forecast was issued by CSU. The forecast for October 14 to October 27 calls for continued above-normal hurricane activity and an environment that was conducive for hurricane formation and intensification. At the time of the forecast there were no active tropical cyclones but a low pressure area was present.

The 2020 hurricane season produced 26 named storms. Ten—Hanna, Isaias, Laura, Marco, Nana, Paulette, Sally, Teddy, Delta and Epsilon—became hurricanes. Four hurricanes, Laura, Teddy, Delta and Epsilon—became major (category 3 or stronger) storms. A typical year has 12 named storms, six hurricanes, and three major hurricanes. Ten named storms or hurricanes made landfall in the United States, nine in the continental United States. The 2020 Atlantic hurricane season broke records as tropical storm Edouard formed as the earliest fifth Atlantic named storm on record, according to Phillip Klotzbach, and continued to shatter earliest storm records through Epsilon as the earliest twenty-sixth. The season began early as tropical storm Arthur formed on May 16 in the Atlantic Ocean east of Florida, marking the sixth consecutive year that the hurricane season began before the traditional official beginning of the season on June 1. Tropical storm Bertha, the second named storm to occur before the official beginning of the hurricane season, formed on May 27 near South Carolina. After making landfall near Charleston with winds of 50 mph, Bertha brought heavy rainfall in South Carolina, North Carolina and Virginia. According to Aon, 2020 is the third year since 1965 that two named storms developed in the Atlantic Ocean before the beginning of the hurricane season. The company said the storm caused millions of dollars in insured losses.

Tropical storm Cristobal formed on June 2 in the Gulf Coast of Mexico. After landfall in Mexico it made landfall in southeast Louisiana on June 7 between the mouth of the Mississippi River and Grand Isle. Cristobal brought tropical storm-force winds to the Gulf Coast from southeastern Louisiana to the Florida Panhandle and travelled into Arkansas and eastern Missouri, eventually reaching the Great Lakes area and into Ontario, Canada. Tropical storm Dolly formed on June 23 in the North Atlantic south of Halifax, Nova Scotia. According to Colorado State University research scientist Phillip Klotzbach, Dolly is the third earliest fourth Atlantic named storm formed during the hurricane season since record-keeping began in 1851. Tropical storm Edouard formed in the far North Atlantic on July 5.

Tropical storm Fay became the sixth named storm of the 2020 Atlantic hurricane season when it formed on July 9 off the coast of North Carolina, marking the first time six tropical cyclones formed in the Atlantic basin so early in the calendar year. Fay made landfall on July 10 near Atlantic City, New Jersey as tropical storm conditions and heavy rainfall spread north-northeastward along the mid-Atlantic coast. According to catastrophe risk modeler Karen Clark & Company (KCC), insured losses for wind and storm surge damage to residential, commercial and industrial properties and automobiles in Maryland, Delaware, New Jersey, Pennsylvania and New York are estimated to total $400 million. Tropical storm Gonzalo formed on July 22 east of the Southern Windward Islands.

Hurricane Hanna, the first hurricane of the 2020 Atlantic hurricane season, developed on July 23 southeast of Corpus Christi Texas in the Gulf of Mexico. Hanna strengthened into a hurricane on July 25 and made landfall on Padre Island, Texas, north of Port Mansfield, as a strong Category 1 hurricane and a second landfall in Kennedy County. Hanna brought hurricane conditions to south Texas as it moved inland and brought heavy rain and flash flooding over far southeast Texas and northeast Mexico. Rainfall totals in the areas were between 4 to 6 inches but some areas received a foot of rain. KCC estimates that insured losses to residential, commercial and industrial properties and automobiles in Texas totaled about $350 million. Catastrophe risk modeler RMS expects losses from Hanna, mostly in Texas, will be below $400 million.

Hurricane Isaias formed as a tropical storm on July 29 south of Puerto Rico. By July 30 Isaias became the second hurricane of the 2020 season and caused flash flooding and high winds over Puerto Rico. After weakening to a tropical storm Isaias brought winds and storm surge to the east coast of Florida and made its way up the coast. Isaias regained hurricane strength and made landfall in North Carolina near Ocean Isle Beach as a Category 1 hurricane on August 3. By August 4 Isaias weakened to a tropical storm and continued north into Virginia, the mid-Atlantic states and New England, bringing storm surge, dangerous winds and heavy rain before dissipating on August 5 in southeastern Canada. The storm reportedly caused nine deaths and spawned tornadoes in five states.

Tropical Storm Josephine formed in the tropical Atlantic Ocean on August 13 and dissipated without threatening land. Kyle formed northwest of New Jersey and dissipated in the North Atlantic.

Tropical Storm Laura formed on August 21 near the Leeward Islands and brought heavy rain and flooding to islands in the Caribbean including the Virgin Islands and Puerto Rico before heading into the Gulf of Mexico. Laura became the fourth hurricane of the 2020 Atlantic hurricane season on August 24 northwest of Cuba, and the first major hurricane on August 26. Laura quickly intensified to a strong category 4 storm and made landfall on August 27 near Cameron, Louisiana, close to the Texas-Louisiana border, bringing catastrophic storm surge, extreme wind and flash flooding. CoreLogic estimated that more than 430,000 homes in Texas and Louisiana, with a reconstruction cost value of $88.6 billion, were at risk of storm-surge damage. According to Dr. Klotzbach, Laura was the seventh named storm to make landfall in the continental US in 2020, breaking the record of six recorded in 1886 and 1916. He also noted that Laura made landfall with 150 mph winds, stronger than Hurricane Katrina in 2005, and tied with the Last Island hurricane of 1856 as the strongest to strike Louisiana. Laura weakened to a tropical storm later on August 27 while damaging winds and flooding rainfall spread inland over central and northern Louisiana and became a tropical depression over Arkansas. The remnants of Laura traveled through the mid-Mississippi Valley and brought heavy rain to the mid-Atlantic states. To date, Laura was responsible for six deaths in Louisiana and widespread property damage, especially in Lake Charles, Louisiana. Insured loss estimates by catastrophe modelers range from $4 billion to $12 billion.

Also on August 21, Hurricane Marco formed in the northwest Caribbean near the Yucatan Peninsula of Mexico and became a hurricane on August 23 as it traveled northwest into the northern Gulf of Mexico. Marco made landfall in Louisiana near the mouth of the Mississippi River as a tropical storm on August 24 and weakened to a depression soon after. Nana formed on September 1 and became a hurricane on September 2, made landfall on September 3 on the coast of Belize and weakened soon after to tropical storm force over Guatemala and southeastern Mexico. Tropical storm Omar formed on September 1 east of Cape Hatteras, North Carolina and weakened the next day without threatening land.

Tropical storm Paulette formed over the central tropical Atlantic on September 7 and drifted northwestward. On September 12, it became a hurricane as it approached Bermuda. It made landfall on the island on September 14 and brought hurricane conditions and torrential rain. Paulette became a Category 2 storm later that day. Tropical storm Renee developed on the same day near the Cabo Verde Islands, bringing rain and tropical storm conditions as it travelled northwestward. Renee deteriorated to a depression on September 12.

Hurricane Sally developed on September 12 near the southernmost part of Florida and moved into the Gulf of Mexico. It became a hurricane on September 14 in the north central Gulf near the mouth of the Mississippi River. It made landfall as a slow-moving, Category 2 strength hurricane on September 16 near Gulf Shores, Alabama, bringing extremely dangerous, life-threatening storm surge and catastrophic, record-breaking rain to southern Alabama and the Florida Panhandle. Sally quickly deteriorated to tropical depression status that day as it continued into Georgia. Sally brought post-tropical conditions to the Carolinas and southern Virginia. Preliminary insured property losses ranged from $1 billion to $3.5 billion by catastrophe modelers.

Hurricane Teddy formed on September 14 west of the Cabo Verde Islands and became a Category 2 hurricane on September 16 east of the Lesser Antilles. Teddy became a Category 4 hurricane on September 17 in the Western Atlantic. The hurricane turned northwestward and passed east of Bermuda as a Category 1 storm and continued on a northward track to Nova Scotia, becoming a Category 2 storm. By September 23 Teddy brought destructive waves, strong wind and heavy rainfall to Atlantic Canada and made landfall in Nova Scotia before moving to the northwest coast of Newfoundland.

Tropical storm Vicky also developed on September 14, west of the Cabo Verde Islands and dissipated a few days later. Wilfred became a tropical storm on September 18 in the eastern tropical Atlantic and did not threaten land before degenerating on September 20.

Tropical storm Beta formed on September 18 in the Gulf of Mexico and brought tropical storm conditions to the southeastern coast of Texas on September 21 and made landfall there on September 21. The storm stalled inland in Texas before moving northeastward and deteriorating to a depression. Beta dropped up to 20 inches of rain in parts of Texas, including about 14 inches in the Houston metropolitan area. It continued to bring heavy rain to Louisiana, Mississippi and Tennessee. According to Philip Klotzbach it was the 9th named storm to make landfall in the continental United States, tying the record set in 1916 and only the second time a letter from the Greek alphabet has had to be used by U.S. forecasters since the 1950s. It is also the first-ever Greek letter-named storm to make a U.S. landfall. Tropical storm Gamma formed on October 2 over the northwestern Caribbean Sea near the Yucatan Peninsula, where it made landfall on October 3. Gamma made landfall at almost hurricane force.

Hurricane Delta, the earliest twenty-fifth named storm on record, formed on October 5 in the Caribbean Sea near Jamaica and became the ninth hurricane of 2020 later that day. Delta rapidly intensified near the Yucatan Peninsula to Category 4 strength and made landfall there on October 7 as a Category 2 storm. Delta moved into the southern Gulf of Mexico and strengthened to a Category 3 storm on October 8. Delta made landfall as a Category 2 storm on the Louisiana coast near Creole on October 9, close to Hurricane Laura’s landfall site, and damaged areas already hit by Laura. Delta was the tenth named storm and fifth hurricane to strike the continental United States and the first Greek-letter hurricane to make U.S. landfall. Delta brought hurricane conditions to southwest and central Louisiana and eastern Texas before moving northeastward through Arkansas, Mississippi, and Alabama and the Tennessee valley as a tropical storm and later affecting the mid-Atlantic states. Preliminary insured property losses ranged from $1 billion to $4.0 billion by catastrophe modelers.

Hurricane Epsilon formed on October 19 in the central Atlantic Ocean, the earliest 26th named storm on record, became a hurricane on October 20 and reached category 3 status on October 21. Epsilon is on track to travel to the east of Bermuda.

East Pacific: Hurricane Douglas formed in the East Pacific on July 20 and became a hurricane on July 22. By July 23 Douglas was a Category 4 storm, heading toward the Hawaiian Islands. By mid-day July 26 Douglas was closing in on the island of Maui as a Category 1 hurricane. Douglas passed to the north of the islands of Maui, Oahu and Kauai, producing large swells, damaging surf, strong damaging winds. Rainfall between three and six inches but possibly more fell on the islands.

2019 and 2018 Hurricane Seasons

2019: The 2019 season yielded 18 named storms, six of which became hurricanes, including three major ones (Category 3 or higher, with maximum sustained winds of at least 111 mph.). Barry became a hurricane on July 13 in the Gulf of Mexico as it moved toward the Louisiana coast. It made landfall later that day near Intracoastal City, Louisiana as a tropical storm, bringing heavy rain and wind to the north central Gulf Coast, and remained over Louisiana as it weakened into a tropical depression on July 14. Other areas impacted were the Mississippi River Valley and the southeastern states of Alabama, Florida and Mississippi.

Dorian became a tropical storm on August 24 and strengthened to hurricane status on August 28 near St. Thomas, U.S. Virgin Islands. By August 30, Dorian had strengthened to a Category 4 storm and became an historic Category 5 storm on September 1 as it made landfall over the Abaco Islands in the Bahamas and later on Grand Bahama Island. Dorian continued to pound the Bahamas into September 3 with devastating wind, rain and storm surge. Insured losses resulting from Hurricane Dorian in the Caribbean are expected to be near $2 billion.

Dorian weakened to Category 3 and moved close to Florida’s east coast by September 4 bringing storm surge resulting in beach erosion and flooding, and later affecting South and North Carolina. On September 6 Dorian weakened to a Category 1 storm and made landfall at Cape Hatteras, North Carolina, bringing wind, storm surge and flooding to North Carolina and Virginia on its way to New England. Dorian made landfall over Nova Scotia on September 7 as a Category 1 hurricane. Catastrophe modelers estimate industry insured losses in the United States from Dorian to total between $500 million and $1.6 billion. This range includes reinsurance and NFIP losses.

Humberto formed near the northwestern Bahamas and became a tropical storm on September 14 and became a hurricane on September 15 southwest of Bermuda and peaked at Category 3 as it approached the island on September 16. As a post-tropical storm Humberto produced large swells and rip tides along the east coast of the United States. Tropical Storm Imelda brought an estimated 16 to 24 inches of rain to Beaumont and Houston, Texas and heavy rain over a large section between southwestern Louisiana and Texas by September 20. Hurricane Jerry formed around the same time, becoming a hurricane on September 19. Hurricane Lorenzo became a Category 5 hurricane in the central subtropical Atlantic—the farthest east Category 5 Atlantic hurricane on record. It generated 49-foot waves, with an occasional rogue wave nearing 100 feet, sending swells to both sides of the Atlantic.

2018: During the 2018 Atlantic hurricane season 15 named storms formed. Eight of those storms became hurricanes and two of those, Florence and Michael, became major storms, Category 3 and above. Florence, the third hurricane of the season, reached Category 4 status as a slow-moving storm that brought hurricane-force winds, life-threatening storm surge, and freshwater flooding. Florence made landfall along the southeastern coast of North Carolina as a Category 1 storm and brought significant storm surge flooding to portions of eastern North Carolina. It produced rainfall that exceeded 20 inches along the North and South Carolina border, and in some parts of North Carolina exceeded 30 inches, a state record. The previous record was 24 inches caused by Hurricane Floyd in 1999. In South Carolina a new record was reached when rainfall reached almost 24 inches. Florence directly caused 22 deaths in the United States, including 15 in North Carolina, four in South Carolina and three in Virginia, according to the National Hurricane Center (NHC). Catastrophe modelers have estimated that insured losses from Hurricane Florence would range from $2.0 billion to $5.5 billion, excluding National Flood Insurance Program losses.

Hurricane Michael became a strong Category 5 storm on October 10 and made landfall near Mexico Beach, Florida, in the Florida Panhandle. Hurricane Michael was the strongest hurricane ever to hit the Florida Panhandle and the second known Category 5 landfall on the northern Gulf Coast, according to the National Oceanic and Atmospheric Administration. It was the first Category 5 storm to make landfall in the United States, after Hurricane Andrew in 1992. Michael caused 16 deaths in the United States: seven in Florida, five in Virginia, three in North Carolina and one in Georgia. Loss estimates are not yet available from the Property Claims Services (PCS) unit of ISO. The Insurance Information Institute (Triple-I) estimates that insured losses from Hurricane Michael totaled between $9 billion and $12 billion in dollars when it occurred, making it the eighth-costliest hurricane to hit the United States, excluding flood damage covered by the federally administered National Flood Insurance Program (NFIP).

Earlier Hurricane Seasons

2017: The Atlantic hurricane season of 2017 broke several records, as 17 tropical storms formed, with 10 of them becoming hurricanes. Six hurricanes became major storms, Category 3 and above—Harvey, Irma, Jose, Lee, Maria and Ophelia. Two hurricanes, Irma and Maria, reached Category 5 strength. The 2017 Atlantic hurricane season was the first time three Category 4 hurricanes—Harvey, Irma and Maria—made landfall in the United States and its territories in one year, according to the Triple-I.

Costliest U.S. Hurricanes

The chart below shows insured losses for the top 10 costliest hurricanes in the United States in dollars when they occurred and in 2019 dollars, adjusted for inflation. Insured losses for the catastrophic hurricanes of 2017—Maria, Irma and Harvey—are represented as a range because factors such as the severity of the losses and the fact that the storms happened in rapid succession, straining resources for the claim settlement process, have hindered the development of final estimates. The Triple-I has developed the ranges after studying estimates from catastrophe modelers and other organizations. One hurricane in 2018—Michael—was the eighth-costliest hurricane to hit the United States. Losses from Hurricane Michael are also represented by a range. Insured losses for Irma in Florida are still being compiled by the Florida Office of Insurance Regulation (OIR). In June, 2020 the OIR reported that as of January 10, 2020 total insured losses from Irma in Florida alone totaled $17.4 billion. Although about 96 percent of claims have been closed, about 45,000 claims remain open.  Hurricane Katrina was the costliest hurricane on record, causing $41.1 billion in insured losses when it occurred in 2005. According to a Swiss Re  report, if Katrina struck the United States in 2020 with the same wind and storm surge as 2005, but with current exposure information and updated flood protection and vulnerability assumptions, the privately insured losses in the U.S. alone could rise to $60 billion. 

Top 10 Costliest Hurricanes In The United States (1)

($ millions)

        Estimated insured loss
Rank Date Location Hurricane Dollars when occurred In 2019 dollars (2)
1 Aug. 25-30, 2005 AL, FL, GA, LA, MS, TN Hurricane Katrina $41,100 $52,828
2 Sep. 19-22, 2017 PR, USVI Hurrican Maria (3) 25,000-30,000 26,100-31,300
3 Sep. 6-12, 2017 AL, FL, GA, NC, PR, SC, UV Hurricane Irma (3) 25,000-30,000 26,100-31,300
4 Aug. 25-Sep. 1, 2017 AL, LA, MS, NC, TN, TX Hurricane Harvey (3) 18,000-20,000 18,800-20,800
5 Oct. 28-31, 2012 CT, DC, DE, MA, MD, ME, NC, NH,
Hurricane Sandy 18,750 21,065
6 Aug. 24-26, 1992 FL, LA Hurricane Andrew 15,500 25,867
7 Sep. 12-14, 2008 AR, IL, IN, KY, LA, MO, OH, PA, TX Hurricane Ike 12,500 20,861
8 Oct. 10-12, 2018 AL, FL, GA, MD, NC, SC, VA Hurricane Michael (3) 9,000-12,000 9,200-12,200
9 Oct. 24, 2005 FL Hurricane Wilma 10,300 13,239
10 Aug. 13-14, 2004 FL, NC, SC Hurricane Charley 7,475 9,906

(1) Property losses only. Excludes flood damage covered by the federally administered National Flood Insurance Program. Ranked on dollars when occurred. As of September 30, 2020.
(2) Adjusted for inflation through 2019 by the Insurance Information Institute using the GDP implicit price deflator.
(3) Insurance Information Institute estimate based on data from catastrophe risk modelers, reinsurance companies, the Property Claims Services unit of Verisk Analytics, the Federal Emergency Management Agency of the U.S. Department of Homeland Security, and the Florida Office of Insurance Regulation. These estimates are preliminary because the organizations involved periodically resurvey the events, and the severity of losses and other factors create a high level of uncertainty surrounding the ultimate loss figures.

Source: Insurance Information Institute, catastrophe risk modelers, reinsurance companies, U.S. Department of Homeland Security, the Florida Office of Insurance Regulation, the Property Claim Services® (PCS®) unit of ISO®, a Verisk Analytics® company, and the U.S. Bureau of Economic Analysis.

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Estimated Insured Losses For The Top 10 Historical Hurricanes Based On Current Exposures (1)

($ billions)

Rank Date Event Category 2017 insured loss
1 Sep. 18, 1926 Great Miami Hurricane 4 $128
2 Sep. 17, 1928 Okeechobee Hurricane 4 78
3 Aug. 29, 2005 Hurricane Katrina 3 (2) 64
4 Sep. 17, 1947 1947 Fort Lauderdale Hurricane 4 62
5 Sep. 9, 1965 Hurricane Betsy 4 (2) 57
6 Aug. 24, 1992 Hurricane Andrew 5 56
7 Sep. 10, 1960 Hurricane Donna 4 50
8 Sep. 21, 1938 The Great New England Hurricane 3 50
9 Sep. 9, 1900 1900 Galveston Hurricane 4 49
10 Aug. 17, 1915 1915 Galveston Hurricane 3 25

(1) Modeled loss to property, contents and business interruption and additional living expenses for residential, mobile home, commercial and auto exposures as of end-2016. Losses include demand surge and account for storm surge.
(2) Strength at second landfall in Louisiana.

Source: AIR Worldwide Corporation.

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Hurricanes And Related Deaths In The United States, 2000-2019


Year Total
hurricanes (1)
Made landfall
as hurricane
in the U.S.
Deaths (2)
2000 8 0 4
2005 15 7 1,518
2006 5 0 0
2007 6 1 1
2008 8 4 (3) 41
2009 3 1 (4) 6
2010 12 0 11
2011 7 1 44
2012 10 1 (5) 83
2013 2 0 1
2014 6 1 2
2015 4 0 3
2016 7 3 36
2017 10 4 147
2018 8 2 48
2019 6 2 15 (6)

(1) Atlantic Basin.
(2) Includes fatalities from high winds of less than hurricane force from tropical storms.
(3) Includes one hurricane (Hanna) which made landfall as a tropical storm.
(4) Hurricane Ida, which made landfall as a tropical storm.
(5) Excludes Hurricane Sandy which made landfall as a post-tropical storm.
(6) All fatalities in 2019 are from storms that did not make landfall in the United States.

Source: Insurance Information Institute from data supplied by the U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Hurricane Center.

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Storm Surge Risk By State By Number Of Single-Family Homes and Reconstruction Value, 2020 (1)


    Number of single-family homes at risk by storm category (2)
Rank State Category 1 Category 2 Category 3 Category 4 Category 5
1 Florida 353,994 1,088,511 1,806,312 2,362,323 2,851,642
2 Louisiana 72,883 212,707 640,307 770,030 843,349
3 Texas 41,398 122,453 264,103 399,741 563,024
4 New Jersey 95,473 277,147 381,388 471,323 471,323 (3)
5 New York 76,805 228,069 351,937 467,787 467,787 (3)
6 Virginia 23,232 89,347 243,707 366,117 410,277
7 South Carolina 37,107 132,728 219,420 308,387 363,875
8 North Carolina 33,254 97,694 165,266 216,446 267,802
9 Georgia 9,378 54,470 113,068 152,882 164,504
10 Massachusetts 8,102 42,832 97,083 151,979 151,979 (3)
11 Maryland 16,091 59,214 98,757 126,589 126,589 (3)
12 Mississippi 5,740 25,385 56,768 90,023 102,596
13 Pennsylvania 847 21,378 58,921 85,794 85,794 (3)
14 Connecticut 6,708 27,921 46,186 67,433 67,433 (3)
15 Delaware 10,855 31,057 49,103 67,055 67,055 (3)
16 Alabama 5,203 15,841 27,769 40,287 51,929
17 Rhode Island 1,396 7,979 17,345 26,336 26,336 (3)
18 Maine 5,657 7,912 11,969 18,149 18,149 (3)
19 New Hampshire 193 4,069 7,074 9,336 9,336 (3)
  Total homes
potentially affected
804,316 2,546,714 4,656,483 6,198,017 7,110,779
    Reconstruction cost value of single-family homes at risk (2), (4) ($ millions)
Rank State Category 1 Category 2 Category 3 Category 4 Category 5
1 Florida $71,707.9 $224,088.9 $372,234.3 $483,618.4 $580,606.2
2 Louisiana 15,887.7 47,717.2 152,745.6 184,008.0 202,330.0
3 New York 30,410.9 95,248.1 146,867.2 196,107.2 196,107.2 (3)
4 New Jersey 27,523.2 84,974.9 119,707.6 150,599.6 150,599.5 (3)
5 Texas 7,467.3 22,579.6 51,408.9 81,181.5 113,419.1
6 Virginia 5,962.5 22,598.0 57,844.1 86,624.2 98,314.8
7 South Carolina 10,447.7 35,063.9 55,589.2 75,121.4 86,468.7
8 North Carolina 7,178.2 21,277.7 36,350.3 47,968.2 59,542.6
9 Massachusetts 2,306.8 12,658.0 29,179.0 47,309.5 47,309.5 (3)
10 Georgia 2,869.0 14,504.6 26,994.0 35,215.7 37,416.2
11 Maryland 3,878.3 14,151.3 23,657.9 30,518.8 30,518.8 (3)
12 Connecticut 2,344.5 9,635.7 15,669.6 22,538.4 22,538.4 (3)
13 Pennsylvania 193.8 5,120.6 14,596.0 21,349.8 21,349.8 (3)
14 Mississippi 1,175.2 5,247.4 11,573.3 18,024.1 20,467.4
15 Delaware 3,082.8 8,693.8 13,892.8 18,943.9 18,943.9 (3)
16 Alabama 965.3 2,972.1 5,112.2 7,360.8 9,449.8
17 Rhode Island 350.2 2,339.3 5,080.9 7,761.3 7,761.3 (3)
18 Maine 1,314.9 1,892.6 2,949.9 4,589.9 4,589.8 (3)
19 New Hampshire 35.2 713.9 1,434.1 2,038.9 2,038.9 (3)
  Total homes
potentially affected
$195,101.5 $631,477.6 $1,142,886.9 $1,520,879.6 $1,709,772.1

(1) The risk categories are cumulative and increase in value from Category 1 to Category 5. Category 1 represents the higher risk of damage from a weak hurricane; Category 5 includes Categories 1 to 4 and the low risk of damage from a Category 5 hurricane.
(2) Measured in units.
(3) Storm surge risk for Category 5 storms for homes on the northeastern Atlantic Coast is not shown due to the extremely low probability of a Category 5 storm affecting these areas.
(4) Represents the cost to completely rebuild including labor and materials by geographic location.

Source: CoreLogic®, a property data and analytics company.

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Top 10 States, By Population Change In Coastal Counties, 1960-2010

  By number change    By percent change 
Rank State Number change Rank State Percent change
1 California 13,130,000 1 Florida 270.1%
2 Florida 10,360,000 2 Alaska 239.8
3 Texas 3,732,000 3 New Hampshire 198.0
4 Washington 2,578,000 4 Texas 161.9
5 Virginia 1,903,000 5 Virginia 150.8
6 New York 1,400,000 6 Washington 144.4
7 New Jersey 1,275,000 7 South Carolina 125.1
8 Maryland 938,000 8 Hawaii 115.2
9 Massachusetts 826,000 9 North Carolina 114.4
10 Hawaii 728,000 10 California 107.2

Source: U.S. Department of Commerce, Census Bureau (www.census.gov/dataviz/visualizations/039/508.php).

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  • The Atlantic Coast, the Gulf of Mexico and the Hawaiian Islands are home to the U.S. counties most vulnerable to hurricanes. These counties accounted for nearly two-thirds of the nation’s coastline population in 2008, according to the U.S. Bureau of the Census.

Top Coastal Counties Most Frequently Hit By Hurricanes: 1960-2008

County  State Coastline region Number of
Percent change
in population,
Monroe County Florida Gulf of Mexico 15 50.8%
Lafourche Parish Louisiana Gulf of Mexico 14 67.2
Carteret County North Carolina Atlantic 14 104.3
Dare County North Carolina Atlantic 13 465.9
Hyde County North Carolina Atlantic 13 10.1
Jefferson Parish Louisiana Gulf of Mexico 12 108.9
Palm Beach County Florida Atlantic 12 454.7
Miami-Dade County Florida Atlantic 11 156.5
St. Bernard Parish Louisiana Gulf of Mexico 11 17.2
Cameron Parish Louisiana Gulf of Mexico 11 4.8
Terrebonne Parish Louisiana Gulf of Mexico  11 78.7

Source: U.S. Department of Commerce, Census Bureau, Decennial Census of Population and Housing: 1960 to 2000; Population Estimates Program: 2008.

  • Of the 11 most hurricane-prone counties, five are in Louisiana, three are in Florida and two are in North Carolina.
  • 75.7 percent of the Florida population resides in coastal counties, compared with 32.3 percent in Louisiana, 9.9. percent in North Carolina and 47.7 percent for the total United States.

Top 10 Most Significant Flood Events By National Flood Insurance Program Payouts (1)


Rank Date Event Location Number of
paid losses
Amount paid
($ millions)
paid loss
1 Aug. 2005 Hurricane Katrina AL, FL, GA, LA, MS, TN 166,790 $16,258 $97,474
2 Sep. 2017 Hurricane Harvey AL, AR, FL, GA, KY, LA, MS, NC, TX 76,257 8,909 116,823
3 Oct. 2012 Superstorm Sandy CT, DC, DE, MA, MD, ME, NC, NH,
132,360 8,804 66,517
4 Sep. 2008 Hurricane Ike AR, IL, IN, KY, LA, MO, OH, PA, TX 46,701 2,702 57,866
5 Aug. 2016 Louisiana severe storms
and flooding
LA 26,976 2,468 91,507
6 Sep. 2004 Hurricane Ivan AL, DE, FL, GA, LA, MD, MS, NJ, NY,
28,154 1,608 57,097
7 Aug. 2011 Hurricane Irene CT, DC, DE, MA, MD, ME, NC, NH,
44,314 1,346 30,369
8 Jun. 2001 Tropical Storm Allison FL, LA, MS, NJ, PA, TX 30,671 1,105 36,028
9 Sep. 2017 Hurricane Irma FL, GA, SC 21,920 1,054 48,095
10 Oct. 2016 Hurricane Matthew FL, GA, NC, SC, VA 16,586 654 39,455

(1) Includes events from 1978 to January 31, 2019 as of December 23, 2019. Defined by the National Flood Insurance Program as an event that produces at least 1,500 paid losses. Stated in dollars when occurred.

Source: U.S. Department of Homeland Security, Federal Emergency Management Agency; U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Hurricane Center.

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Hurricane Sandy Fact File - October 2014