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 which have sustained winds of 74 mph. At this point a 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.

2021 Hurricane Season

Atlantic Basin: The 2021 Atlantic basin hurricane season will have above-normal activity according to a June 3, 2021 Colorado State University forecast by atmospheric scientist and Triple-I non-resident scholar, Dr. Phillip Klotzbach and his team. The scientists cite weak El Niño conditions and warmer than normal subtropical Atlantic sea surface temperatures for the above-average probability for major hurricanes making landfall along the continental United States coastline and in the Caribbean. The group forecasts 18 named storms (including tropical storm Ana which formed prior to the start of the Atlantic hurricane season), eight hurricanes and four major (category 3 and above) hurricanes for 2021. The averages for 1981 to 2020, which were developed and adopted in April 2021, are 14 named storms, seven hurricanes and three major hurricanes. The forecast will be updated on July 8.

Tropical storm Ana, the first storm of the 2021 Atlantic hurricane season, formed as a subtropical storm on May 22 and became a tropical storm the next day. Ana makes 2021 the seventh consecutive year to have a named storm form before the official start of the hurricane season on June 1, according to Colorado State University atmospheric scientist and Triple-I non-resident scholar, Dr. Phillip Klotzbach. Ana dissipated by May 24 northeast of Bermuda, according to the National Hurricane Center. Tropical storm Bill formed on June 14 east of Cape Hatteras, North Carolina. The storm moved north and did not threaten land before it dissipated.

2020 Hurricane Season

Atlantic Basin: The record-breaking 2020 hurricane season produced 30 named storms. The old record was set in 2005 when there were 28 storms. Fourteen—Hanna, Isaias, Laura, Marco, Nana, Paulette, Sally, Teddy, Gamma, Delta, Epsilon, Zeta, Eta and Iota—became hurricanes. Seven—Laura, Teddy, Delta, Epsilon, Zeta, Eta and Iota—became major (Category 3 or stronger) storms. A typical year has 12 named storms, six hurricanes, and three major hurricanes. Since all 21 of the letters of the alphabet that meteorologists use were exhausted, they began using the Greek alphabet to name storms. A record-breaking eleven named storms or hurricanes made landfall in the continental United States. Of those, six hurricanes made landfall in the continental United States. The 2020 Atlantic hurricane season also broke records as Tropical Storm Edouard formed as the earliest 5th named Atlantic storm on record, according to Colorado State University atmospheric scientist and Triple-I non-resident scholar, Dr. Phillip Klotzbach, and continued to shatter earliest storm records Zeta as the earliest 27th named storm. 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 Bertha 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, Louisiana. 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 Ontario, Canada. Cristobal caused three direct deaths in the United States.

Tropical Storm Fay became the 6th named storm of the 2020 Atlantic hurricane season when it formed on July 9 off the coast of North Carolina. Fay made landfall on July 10 near Atlantic City, New Jersey, as tropical storm conditions and heavy rainfall spread 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. Fay caused two direct deaths in the United States.

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 then had 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. Insured losses in Texas range from $350 million to $400 million, according to catastrophe modelers KCC and RMS.

Hurricane Isaias formed as a tropical storm on July 29 south of Puerto Rico, becoming the second hurricane of the 2020 season on July 30, and caused flash flooding and high winds over Puerto Rico. After weakening to a tropical storm, Isaias brought winds and storm surge to East Coast 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 caused 10 direct deaths in the United States 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.

Hurricane 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. On August 24 Laura became the fourth hurricane of the 2020 Atlantic hurricane season 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. According to Dr. Klotzbach, Laura was the 7th named storm to make landfall in the continental U.S. 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. As a tropical storm damaging winds and flooding rainfall spread inland over central and northern Louisiana. The remnants of Laura traveled through the mid-Mississippi Valley and brought heavy rain to the Mid-Atlantic states. Laura was responsible for seven direct deaths in the United States and widespread property damage, especially in Lake Charles, Louisiana. By March 31, 2021, private insurers in Louisiana have paid or reserved $8.3 billion for 111,200 claims. Insurers have closed 83 percent of all claims reported in Louisiana.

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 and made landfall on September 3 on the coast of Belize.

Hurricane Paulette formed over the central tropical Atlantic on September 7. 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. Paulette caused two direct deaths in the United States.

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 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. Sally caused four direct deaths in the United States.

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 north 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. Teddy caused three direct deaths in the United States.

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 tropical depression. Beta dropped up to 20 inches of rain in parts of Texas, including about 14 inches in the Houston metropolitan area, and continued to bring heavy rain to Louisiana, Mississippi and Tennessee. According to Dr. 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. Beta caused one direct death in the United States.

Hurricane Delta, the earliest 25th 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 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. As of March 31, 2021, private insurers in Louisiana have paid or reserved about $752.8 million for 51,600 claims. Insurers have closed 89 percent of all claims reported in Louisiana. Delta caused two direct deaths in the United States.

Hurricane Epsilon formed on October 19 in the central Atlantic Ocean and became a hurricane on October 20 and reached Category 3 status on October 21. It passed to the east of Bermuda and continued northeastward, bringing high surf and riptides to the Atlantic coast. Epsilon, still a large storm, deteriorated to tropical storm status and became post-tropical on October 26 in the North Atlantic. Epsilon caused one direct death in the United States. Hurricane Zeta formed on October 25 near Cozumel, Mexico, the earliest forming 27th Atlantic named storm on record. It became a hurricane on October 26 and made landfall on the Yucatan Peninsula of Mexico. Zeta made landfall on October 28 as a Category 3 hurricane near Cocodrie, Louisiana. The hurricane was the record-breaking fifth named storm to strike Louisiana in one season. Zeta brought storm surge, high winds and heavy rain to southeastern Louisiana and southern Mississippi. The storm continued through the southeastern states with damaging winds and heavy rainfall. Zeta left about 2.6 million people without power across seven states. Louisiana Gov. John Bel Edwards said the hurricane caused catastrophic damage on Grand Isle in Jefferson Parish by causing three breaches in a levee. As of March 31, 2021, private insurers in Louisiana have paid or reserved about $566.0 million for 29,300 claims. Insurers have closed 88 percent of all claims reported in Louisiana. Zeta caused five direct deaths in the United States.

Hurricane Eta formed over the central Caribbean Sea on October 31 and became a Category 4 hurricane on November 2. On November 3 slow-moving Eta made landfall in Nicaragua as a Category 4 storm, bringing catastrophic wind damage, flash flooding, storm surge and landslides. Eta deteriorated over Honduras on its way to the north Caribbean Sea, but regained tropical storm strength and made landfall in Cuba on November 8. The storm turned northwestward and made landfall in Lower Matecumbe Key, Florida on November 8 as a strong tropical storm and continued to the southwest coast of Florida, bringing heavy rainfall, flash flooding and wind. Eta traveled into the Gulf of Mexico and regained hurricane status on November 11 offshore of southwestern Florida bringing heavy squalls with tropical-storm force winds. On November 12 Eta made a second landfall in Florida near Cedar Key as a tropical storm, producing dangerous storm surge, heavy rains and gusty winds along the Florida Gulf Coast and the northern Florida Peninsula. The storm then moved into the Atlantic Ocean near the Florida/Georgia border. Eta passed offshore of the coasts of South and North Carolina before dissipating. Eta caused seven direct deaths in the United States.

On November 10, a record-breaking 29th named storm—Theta—formed in the northeast Atlantic Ocean. Theta did not threaten land. Hurricane Iota, the 30th named storm of the 2020 hurricane season, formed on November 13 in the central Caribbean Sea and became a hurricane on November 15. Iota became a major hurricane and strengthened to Category 5 status on its way to Central America, and was  the strongest hurricane of the 2020 hurricane season. Iota brought catastrophic winds, life-threatening storm surge and extreme rainfall to Nicaragua and Honduras. The storm made landfall on the northeast coast of Nicaragua as a Category 4 storm on November 16, about 15 miles south of Hurricane Eta’s Category 4 landfall site on November 3. Iota moved west across Honduras and dissipated over El Salvador.

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 hurricane 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 Grand Bahama Island. Dorian continued to pound the Bahamas into September 3 with devastating wind, rain and storm surge. Dorian brought storm surge resulting in beach erosion and flooding to east coast Florida as a Category 3 storm, and later affected South and North Carolina. On September 6 Dorian made landfall at Cape Hatteras, North Carolina, as a Category 1 storm, bringing wind, storm surge and flooding to North Carolina and Virginia on its way north. It made landfall over Nova Scotia on September 7 as a Category 1 hurricane. Aon estimates industry insured losses in the United States from Dorian to total $3.5 billion, including reinsurance and NFIP losses.

Humberto 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.  Aon estimated that Imelda caused $1.2 billion in insured losses, including NFIP flood claims. 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. Aon estimates that insured losses from Hurricane Michael, including losses covered by the federally administered National Flood Insurance Program, totaled $13.3 billion in dollars when it occurred and $13.6 billion in 2020 dollars, making it the ninth-costliest hurricane to hit the United States.

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 in dollars for the top 10 costliest hurricanes in the United States when they occurred and in 2020 dollars, adjusted for inflation. According to Aon, Katrina was the costliest hurricane on record, causing $65 billion in insured losses when it occurred in 2005, including losses from the NFIP. Losses from Katrina totaled $86.6 billion in 2020 dollars.

Top 10 Costliest Hurricanes In The United States (1)

($ millions)

       Estimated insured loss 
Rank Year Hurricane Dollars when occurred In 2020 dollars (2)
1 2005 Hurricane Katrina $65,000 $86,570
2 2012 Hurricane Sandy 30,000 33,930
3 2017 Hurricane Harvey 30,000 31,960
4 2017 Hurricane Irma 29,900 31,850
5 2017 Hurricane Maria 29,670 31,270
6 1992 Hurricane Andrew 16,000 29,700
7 2008 Hurricane Ike 18,200 21,760
8 2005 Hurricane Wilma 10,670 14,010
9 2018 Hurricane Michael 13,250 13,710
10 2004 Hurricane Ivan 8,720 12,060

(1) Includes Puerto Rico and the U.S. Virgin Islands and losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Includes hurricanes that occurred through 2020. Subject to change as loss estimates are further developed. As of February, 2021. Ranked on insured losses in 2020 dollars.
(2) Adjusted for inflation by Aon using the U.S. Consumer Price Index.

Source: Aon.

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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 year-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, 2000-2020


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)
2020 13 6 47

(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