Hurricane Milton

Hurricane Milton — Frequently Asked Questions

How much damage did Hurricane Milton cause?

Hurricane Milton (2024) caused $35 billion (preliminary) in total damages, with $20 billion in insured losses. Approximately 200,000+ homes were flooded. FEMA issued $1.5 billion in individual assistance grants to affected homeowners.

What are the key lessons from Hurricane Milton for homeowners?

Key lessons from Hurricane Milton: Milton intensified from Cat 1 to Cat 5 in 24 hours — preparation must happen well before storm arrival; Tornadoes from outer bands affected communities 150 miles from landfall — wide impact zone; Florida's insurance crisis meant many homeowners had Citizens Insurance (state insurer) — claims processing was slower; Storm surge entered homes through windows and doors, not just from below — upper-floor damage also occurred.

Does homeowners insurance cover damage from events like Hurricane Milton?

Standard homeowners insurance does NOT cover flood damage from events like Hurricane Milton. This type of damage — surface water flooding from hurricanes and storm surge — requires separate NFIP (National Flood Insurance Program) or private flood insurance. FEMA disaster assistance (average $1.5 billion per event) provides limited supplemental help for uninsured losses, but is far below typical replacement costs.

How do I apply for FEMA assistance after a disaster like Hurricane Milton?

Apply at DisasterAssistance.gov or call 1-800-621-3362 within 60 days of the federal disaster declaration for your county. You will need your Social Security number, property address, insurance policy information, and a description of damages. FEMA will schedule a home inspection. Processing typically takes 1-2 weeks for initial determination. If denied, you have 60 days to appeal with additional documentation.