The Atlantic hurricane season (June 1 – November 30) brings storm surge, wind-driven rain, and catastrophic flooding to coastal and inland communities across 13+ states. This guide covers everything from pre-season preparation to post-storm restoration.
29 named storms average per season
Storm surge (most deadly hurricane hazard — can exceed 20 feet in major landfalls)
Wind-driven rain penetrating through roof damage and window gaps
Flooding from inland rainfall far from the coast
Mold colonization beginning within 24–48 hours post-flooding in Gulf Coast humidity
Photograph all personal property and store photos in cloud storage before storm
Move important documents (insurance policies, deeds, passports) to waterproof container
Locate your main water shutoff and electrical panel before power goes out
Document serial numbers and model numbers of all major appliances
Know your FEMA flood zone and whether your property requires mandatory flood insurance
Confirm your flood insurance policy — homeowners insurance does NOT cover storm surge
Clear gutters and downspouts of debris before peak season
Inspect roof for damaged or missing shingles before June 1
Do NOT enter a flooded home until authorities declare it safe and utilities are shut off
Photograph all exterior damage before any cleanup
Contact restoration company BEFORE calling insurer — restoration companies help document
Report claim to insurer within 24–48 hours — many policies have prompt notice requirements
Apply for FEMA Individual Assistance if a presidential disaster declaration is issued
FEMA application deadline is typically 60 days after disaster declaration — don't wait
Standard homeowners insurance does NOT cover storm surge or flood water. NFIP or private flood insurance required for flood coverage. Has 30-day waiting period — buy now, not after.
Peak months: August, September, October
