When is hurricane season in Florida in 2022?

The Florida hurricane season is most active mid-summer through October. September is the most likely month for landfall hurricanes in the Sunshine State.

Pat Howard 1600Kara McGinley

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Pat Howard

Pat Howard

Managing Editor & Licensed Home Insurance Expert

Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

&Kara McGinley

Kara McGinley

Senior Editor & Licensed Home Insurance Expert

Kara McGinley is a senior editor and licensed home insurance expert at Policygenius, where she writes about homeowners and renters insurance. As a journalist and as an insurance expert, her work and insights have been featured in Kiplinger, Lifehacker, MSN, WRAL.com, and elsewhere.

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Michael Reynolds, CSRIC®, AIF®, CFT-I™

Michael Reynolds, CSRIC®, AIF®, CFT-I™

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Michael Reynolds, CSRIC®, AIF®, CFT-I™, is a financial advisor, principal and founder of Elevation Financial, host of the weekly personal finance podcast Wealth Redefined®, and a member of the Financial Review Council at Policygenius.

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The Atlantic hurricane season is June 1 to November 30 every year — but the last several years were an exception for the Sunshine State — with storms starting to form around Florida by mid-May. [1] August and September are typically the most active months for tropical storms in Florida. 

During hurricane season, the Sunshine State faces greater hurricane risk than any other U.S. state. Of the 301 hurricanes that have made landfall in the U.S. since 1851, 120 have hit Florida — almost double that of Texas, the second most hurricane-prone state.

When you consider that 1,350 miles of Florida border the Gulf and Atlantic Coasts, it’s extra important for residents to prepare for hurricane season. That means creating an emergency plan, fortifying your property, and making sure you’re fully covered with home and flood insurance.

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What month does Florida have the most hurricanes?

While hurricanes can happen at any point during hurricane season, mid-August through late October is the most likely time for a hurricane to make landfall in Florida. The official peak of hurricane season is September 10. 

Going into the 2022 hurricane season, the National Oceanic Atmospheric Administration (NOAA) predicted a 65% chance of “above normal” activity, meaning a greater frequency of storms than the century average. [2]  

The 2021 Atlantic hurricane season was the third most active in history, with 21 named storms and seven hurricanes making landfall. [3]

Here is the NOAA’s forecast for the 2022 hurricane season:

  • Around 14 to 21 named storms 

  • Around six to 10 of those could become hurricanes (wind speeds of 74 mph or higher)

  • Around three to six major hurricanes — Category 3, 4, or 5 (wind speeds of 111 mph or higher)

Where do hurricanes hit the most in Florida?

Monroe County on the southwestern tip of Florida has experienced more hurricanes than any other Florida county, followed by Miami-Dade and Broward Counties to the east. In 2017, Hurricane Irma resulted in four to six feet of water in the Miami-Dade county area. [4]  

The area of the Sunshine State that experiences the least number of hurricanes is the midwestern coast. As you go farther northwest into the Panhandle, you begin to enter hurricane territory again. The Florida Panhandle has experienced 66 hurricanes in recorded history, including 14 that were a Category 3, 4, or 5. [5]

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How to prepare for hurricane season in Florida

If you’re a resident of coastal Florida, be sure to prepare yourself and your family for an impending hurricane. Hurricanes often mean severe winds and flooding, so you’ll want to make sure your house is prepared and you have the right insurance coverage in place to pay for extensive property damage. 

Before the storm 

  • Have a plan for you and your family

  • Create an emergency kit with basic necessities 

  • Store important documents in a waterproof container and create digital copies

  • Sign up for community or country emergency storm alerts

  • Know your home’s flood risk 

  • Purchase flood insurance — homeowners insurance doesn’t cover flooding, so you’ll need flood insurance to cover hurricane-related flooding

  • Plan an evacuation route

During the storm

After the storm

  • Listen to local officials for information about when it’s safe to return to your home and special instructions

  • Wear protective clothing — including gloves and face coverings — while you clean up mold or other debris from your home

  • File a claim with your coastal home insurance or flood insurance provider for wind or water damage to your home

  • Document any property damage with videos and photographs

→ Take a deeper dive into how to prepare for a hurricane: 9 things to do TODAY

Insurance considerations for hurricane season in Florida

If you live in Florida, you may want to consider purchasing additional insurance to fill your home insurance coverage gaps. Florida is also one of the 19 states that requires a separate hurricane deductible. 

Here’s what you need to keep in mind about insurance during hurricane season.

You’ll need to pay a hurricane deductible when filing a claim

In many Atlantic coast states, insurers require you to pay a separate deductible when you file a claim for hurricane damage. Unlike standard deductibles, hurricane deductibles are set at a percentage amount. In Florida, insurers typically give you the option of a 2%, 5%, or 10% deductible. 

Here’s how it works.

Say your home is insured for $500,000 and you have a 5% deductible. If your home is destroyed in a hurricane, $25,000 will be subtracted from your claim payout before your insurer kicks in for repairs. So you’ll receive $475,000 overall.

Florida hurricane deductibles are only triggered when there's an official hurricane warning.

In Florida, hurricane deductibles are triggered once an official hurricane watch or warning has been issued by the National Weather service.  

You may need to purchase windstorm insurance

If wind and hail coverage is excluded from your homeowners policy, you’ll need to purchase windstorm insurance. If you don’t qualify for coverage on the private marketplace, look into a Florida FAIR Plan

You should consider flood insurance

Homeowners insurance never covers flood damage. Homeowners in Florida should look into purchasing flood insurance considering how high risk the Sunshine State is for flood and hurricane damage. And if you live in a high-risk flood area and have a federally backed mortgage, you’ll be required to purchase flood insurance.

For more information about hurricane season in Florida and how to plan for the next disaster, check out the Florida Division of Emergency Management.

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Frequently asked questions

When does hurricane season start in Florida in 2022?

Hurricane season officially starts on June 1, 2022. However, over the past several years, Florida has seen cyclones form in mid- to late-May.

When does hurricane season end in Florida in 2022?

Hurricane season officially ends on November 30, 2022.

References

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Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of our

editorial standards.
  1. NBC Miami

    . "

    National Hurricane Center Issues First Tropical Weather Outlook of 2022 Season

    ." Accessed June 02, 2022.

  2. National Oceanic and Atmospheric Association

    . "

    NOAA predicts above-normal 2022 Atlantic Hurricane Season

    ." Accessed June 02, 2022.

  3. NBC Miaim

    . "

    Busy 2021 Atlantic Hurricane Season Officially Ends Tuesday

    ." Accessed June 02, 2022.

  4. Accuweather

    . "

    5 of the most powerful, destructive hurricanes in Florida's history

    ." Accessed June 02, 2022.

  5. National Oceanic and Atmospheric Administration

    . "

    Tropical Cyclone Climatology

    ." Accessed September 15, 2021.

Authors

Managing Editor & Licensed Home Insurance Expert

Pat Howard

Managing Editor & Licensed Home Insurance Expert

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Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

Senior Editor & Licensed Home Insurance Expert

Kara McGinley

Senior Editor & Licensed Home Insurance Expert

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Kara McGinley is a senior editor and licensed home insurance expert at Policygenius, where she writes about homeowners and renters insurance. As a journalist and as an insurance expert, her work and insights have been featured in Kiplinger, Lifehacker, MSN, WRAL.com, and elsewhere.

Expert reviewer

Michael Reynolds, CSRIC®, AIF®, CFT-I™, is a financial advisor, principal and founder of Elevation Financial, host of the weekly personal finance podcast Wealth Redefined®, and a member of the Financial Review Council at Policygenius.

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