Hurricane insurance. It’s one of those things you hope you’ll never need but that you probably shouldn’t do without. Unfortunately, hurricanes are becoming an increasingly common threat for American homeowners.

Climate change is real, and it is having a devastating effect on the entire globe. Climate change affects every aspect of our world, from the smallest lifeforms to massive environmental landscapes like glaciers and the Amazon rainforest. Climate change continues to wreak havoc on the earth, precipitating natural disasters like earthquakes, tsunamis, and, yes, hurricanes.

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As residents of the Blue Planet, we have a responsibility to do our part in reducing climate change. But in the interim, how can we protect ourselves, our families, and our homes from the catastrophic weather events that climate change brings about?

Insuring Your Home Against Hurricanes

The first thing to know is that hurricane insurance isn’t a real thing—not technically, anyway. There is no one policy for hurricane insurance, making it tricky to get coverage that addresses all your needs. Regular homeowner’s insurance typically covers run-of-the-mill household issues, but to get adequate protection from hurricane damage, your home will likely need a combination of flood insurance and windstorm insurance.

Water Damage

Most’ sudden and accidental’ water damage costs will be covered. Think burst pipes, a leaky washing machine that floods the mudroom, water damage caused during a fire, or rainstorm damage. For example, if your home suffers damage from rain leaking through your roof during a storm, your homeowners insurance will likely cover the damage.

Gradual damage, like the kind caused by a drippy faucet, will not be covered, and neither will ‘storm surge’ flood damage, like the kind that might occur during a hurricane. In short, insurance will cover common household water issues, but not neglect or damage caused by emergency weather conditions. For the latter, you’ll need a flood insurance policy.

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Wind Damage

It’s well-known that some states are more hurricane-prone than others. Florida is, far and away, the most frequently affected by windstorms, followed by Texas, Louisiana, and North Carolina. In less gusty states, certain windstorm damage may be included in homeowners insurance; of course, you should take this with a grain of salt, as insurance policies are highly individual.

In states where hurricanes are common, especially the coastal and midwestern states, homeowners are often expected to invest in additional flood and windstorm protection. Windstorm insurance typically covers property damage, including garages, sheds, and personal belongings that may be affected.

Regardless of where they live, many Americans are proactively ensuring their homes against hurricanes. It may seem far-fetched, but the truth is that climate change is increasing the occurrences of hurricanes and their severity when they do occur. If a hurricane did affect your home, having insurance could mean the difference between damage and devastation.


Protecting your home from hurricanes starts when you assess your risk. Before you invest, get a free, instant risk assessment from Climate Check.

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