Triple-I Stresses Preparedness for 2026 Atlantic Hurricane Season

MALVERN, Pa.--(BUSINESS WIRE)--The start of the 2026 Atlantic hurricane season is just a month away and the Insurance Information Institute (Triple-I) is recommending homeowners, condo owners, renters and business owners prepare now.

Led by Colorado State University (CSU) senior research scientist Phil Klotzbach, Ph.D., a non-resident scholar at Triple-I, the CSU TC-RAMS Team forecasts “a slightly below average” season with 13 named storms, six hurricanes and two major hurricanes. A typical Atlantic hurricane season has 14 named storms, seven hurricanes and three major hurricanes. The Atlantic Basin season begins on June 1 and runs through Nov. 30.

“During National Hurricane Preparedness Week, everyone who lives in a hurricane-prone community should take a few moments to ensure they have adequate financial protection for their property and possessions, while also taking steps to make their home or business more resilient to the impacts of wind and water,” said Triple-I CEO Sean Kevelighan.

“History has proven states along the Gulf and East coasts face the prospect of catastrophic, hurricane-caused property damage. With more Americans living in harm’s way than ever before, it is critical for everyone residing in a hurricane-prone community to make preparedness a priority for the upcoming season,” Kevelighan added.

National Hurricane Preparedness Week, spearheaded by the National Oceanic and Atmospheric Administration (NOAA), starts on Sunday, May 3, and continues through Saturday, May 9.

Triple-I’s key hurricane preparedness tips for the 2026 season include:

Review Your Insurance Coverage: Make sure you have the right type – and amount – of property insurance. The Triple-I recommends you conduct an annual insurance review of your policy(ies) with your insurance professional.

“With home replacement costs escalating due to the higher costs of construction materials and labor, you should ask your insurance professional if you have the right amount of coverage to rebuild or repair your home, to replace its contents, and to cover temporary living expenses if your property is uninhabitable,” Kevelighan said. “You should also ask about flood insurance, which is an additional coverage to standard homeowners, condo and renters policies, as well as a small business insurance policy. Nearly 90% of U.S. natural disasters involve flooding so most areas of the country are prone to flooding.”

The best place to start an insurance review process is by reading the declarations page of your policy. It offers details on how much coverage you have, your deductibles, and how a claim will be paid.

Standard homeowners insurance covers the structure of your house for disasters such as hurricanes and windstorms, along with a host of other perils, such as fire. It is important to understand the elements that might affect your insurance payout after a hurricane and adjust your policies accordingly.

Flood insurance, which is a separate policy from your property coverage, is offered through FEMA’s National Flood Insurance Program (NFIP) and dozens of private insurers. Keep in mind that in recent years, landfalling hurricanes have also led to catastrophic inland flooding.

Protect Your Vehicles: Comprehensive auto, which is an optional coverage, protects your vehicle against theft and damage caused by an incident other than a collision, including fire, flood, vandalism, hail, falling rocks or trees, and other hazards. Nearly 80% of U.S. drivers opt to purchase comprehensive coverage.

Make Sure Your Possessions are Adequately Protected: Residents need to imagine the out-of-pocket cost of repurchasing their wind-damaged furniture, electronics, clothing, and other personal possessions after a hurricane. Whether you have homeowners insurance, condo insurance or renters insurance, your policy provides protection against loss or damage to personal property due to a hurricane.

Creating an inventory of your belongings and their value will make it easier to see if you are sufficiently insured for either the replacement cost or the actual cash value of the items situated at your residence. When you create a photo or video catalog of your home’s possessions, it expedites the insurance claims process if you sustain damage from a storm.

Make Your Property More Resilient: Invest in items that will harden your property against wind damage, such as roof tie-downs, a wind-rated garage door, and storm shutters. Triple-I also recommends you have your roof inspected annually by a licensed and bonded contractor to make sure it can withstand high winds and torrential rains.

ADDITIONAL RESOURCES

FACTS & STATISTICS

Hurricanes
Floods

CONSUMER INFORMATION

Catastrophes: Insurance Issues
Hurricane Season Insurance Checklist
How to Prepare for Hurricane Season
Hurricane Season Insurance Guide
Hurricane and Windstorm Deductibles
Understanding Your Insurance Deductible
Preparing an Effective Evacuation Plan
Settling Insurance Claims After a Disaster
Spotlight on Flood Insurance
Facts About Flood Insurance
Recovering from a Flood

INFOGRAPHICS

What are Hurricane Deductibles?
How to Prepare for Hurricane Season
How to File a Flood Insurance Claim
Is Your Business Ready for Peak Hurricane Season?

EXTERNAL RESOURCES

FEMA’s National Flood Insurance Program (NFIP)
NFIP Information for Insurance Agents

RELATED VIDEOS

Dr. Klotzbach Discusses CSU’s 2026 Atlantic Basin Hurricane Forecast
Hurricane Insurance Guide
Insurance Check-Up: Homeowners and Hurricane/Flood Insurance
Create a Home Inventory

About the Insurance Information Institute

Since 1960, the Insurance Information Institute (Triple-I) has been the trusted voice of risk and insurance, delivering unique, data-driven insights to educate, elevate and connect consumers, industry professionals, policymakers and the media. An affiliate of The Institutes, Triple-I represents a diverse membership accounting for nearly 50% of all U.S. property/casualty premiums written. Our members include mutual and stock companies, personal and commercial lines, primary insurers and reinsurers – serving regional, national and global markets.

About The Institutes

The Institutes® are a not-for-profit comprised of diverse affiliates that educate, elevate, and connect people in the essential disciplines of risk management and insurance. Through products and services offered by The Institutes’ 20 affiliated business units and backed by more than 115 years of experience as a trusted knowledge partner, we empower people and organizations to help those in need with a focus on understanding, predicting, and preventing losses to create a more resilient world. Learn more at Global.TheInstitutes.org.

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