Updated December 30, 20212 min read
Table of contents
Hurricane season is June 1 to November 30 every year, with August and September being 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.
In 2021, there was a 75% chance a hurricane will come within 50 miles of the Florida coast, up from the seasonal average of 58%.  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.
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 2021 hurricane season, the National Oceanic Atmospheric Administration (NOAA) predicted “above average” activity, meaning a greater frequency of storms than the century average. The NOAA’s original forecast for the season was around 13 to 20 named storms — 6 to 10 of which could become hurricanes (wind speeds of 74 mph or greater).  As of mid-September 2021, there were 14 named storms, including seven hurricanes and three major hurricanes.
Don't get caught unprepared, claim your free guide.
Download your free one-page guide and get everything you need to know about filing a claim after a natural disaster, from how soon to start your claim to how to prepare for an inspector.
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. The area of the Sunshine State that experiences the least number of hurricanes is the middle-western 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 through 5. 
Ready to shop home insurance?
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.
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
Follow weather alerts
Stay clear of areas impacted by hurricane winds or flooding
Visit Florida 511 to check the status of road conditions during a flood
Be sure to listen to local officials for information about when it’s safe to return and special instructions
If you’re attempting to clean up your residence, wear protective clothing, including gloves and face coverings while you clean up mold or other debris.
If there is wind or water damage to your home, contact your home or flood insurance provider to file a claim.
Document any property damage with video or photographs
For more information about hurricane season in Florida and how to plan for the next disaster, check out the Florida Division of Emergency Management.