2025 Hurricane Season Forecast Is In - Is Your Insurance Ready?
The 2025 Atlantic hurricane season is shaping up to be one of the most active on record, and the stakes have never been higher for homeowners and business owners alike. With the National Oceanic and Atmospheric Administration (NOAA) forecasting a 60% chance of an above-normal hurricane season, the message is clear: now is the time to review your insurance coverage.
NOAA Predicts More Major Storms This Year
According to NOAA, the U.S. can expect:
13 to 19 named storms with winds of 39 mph or higher
6 to 10 hurricanes
3 to 5 major hurricanes (Category 3 or higher)
This comes just one year after Hurricanes Helene and Milton caused over $37 billion in insured losses, according to Aon. Yet despite these damages, many property owners remain underinsured or unaware of their flood insurance gaps, hurricane deductibles, or the true cost of storm recovery.
The Rising Cost of Disaster
Beyond hurricanes, 2025 is already on track to be one of the costliest years for weather-related insurance claims:
$50B in losses from California wildfires
$10B+ from severe storms and tornadoes across the Midwest
Another $7B in damages from a single 3-day storm in May
According to Aon, the U.S. has averaged over $33 billion annually in insured losses over the past decade—a 90% increase from the previous decade.
Insurance and reinsurance companies are feeling the squeeze. Reinsurance costs for climate-related risks are now at a 20-year high, and insurers are struggling to transfer these mounting losses. This has direct consequences for policyholders: higher premiums, reduced coverage, and stricter underwriting.
What This Means for Homeowners and Businesses
Many Americans assume their current policies will protect them in a natural disaster. But that’s not always true:
Most homeowners insurance policies do NOT cover flood damage
Hurricane deductibles are often separate and significantly higher than standard deductibles
Business interruption insurance may not apply unless specific conditions are met
Outdated or low-limit policies may leave owners severely undercompensated
According to FEMA, just 1 inch of floodwater can cause $25,000+ in damage. And in a market where home values, materials, and repair costs are soaring, underinsurance can be financially devastating.
Types of Insurance Coverage to Review Before Hurricane Season
Homeowners Insurance: Covers structural damage, but usually excludes flood damage. Make sure your hurricane deductible is clear and affordable.
Flood Insurance (NFIP or Private): Essential for anyone in a flood-prone area—even if you’re not in a FEMA flood zone. One inch of water can cause over $25,000 in damage.
Commercial Property Insurance: For business owners, this covers damage to your storefront, office, or warehouse. But many policies have exclusions you should review.
Business Insurance: Helps replace lost income if your business is forced to close due to storm damage. Often misunderstood, and underused.
Builder’s Risk Insurance: If you’re renovating or building during hurricane season, this protects materials and unfinished construction from damage or theft.
How Starisks Can Help
At Starisks, we help homeowners, landlords, and business owners:
Identify gaps in your current insurance
Review your hurricane and flood coverage in detail
Customize policies for both personal and commercial properties
Make sure you’re not overpaying, or under-protected
Stay compliant with insurer and lender requirements
The 2025 hurricane season is already forecasted to be dangerous. Whether you’re a homeowner, landlord, or business owner, this is your window to act.
Book a free insurance consultation with Starisks to make sure you’re not caught off guard by what your policy doesn’t cover.
Connect with Joel Goldman for personalized support on insurance and financing.
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