The Increasing Frequency of Hurricanes Hitting the US (2020-2024)

As we’ve observed over the past few years, hurricanes have been making landfall in the United States with increasing frequency. From 2020 to 2024, the US experienced 12 hurricane landfalls, the highest number in a four-year period since 2002-2005. With the 2024 hurricane season just beginning, it’s essential to understand what this means and how to best prepare and protect your assets. 

The Alarming Trend 

Take a look at the image below, which illustrates the tracks of hurricanes over the past four years. These storms have impacted our eastern and southern coastlines, spanning various categories, with some reaching Category 4 and Category 5 intensity. This uptick in hurricane activity brings about several critical considerations for homeowners and businesses alike. 

Understanding the Causes 

The reasons behind this surge in hurricane activity are complex, but several key factors include: 

1. Climate Change: Warmer ocean temperatures provide more energy for storms to develop and intensify, increasing the likelihood of stronger and more frequent hurricanes. 

1. Natural Cycles: Climatic patterns like the Atlantic Multi-decadal Oscillation (AMO) influence the frequency and intensity of hurricanes. We may currently be in a heightened activity period due to these natural cycles. 

1. Improved Detection and Reporting: Advances in meteorological technology and data collection have improved our ability to detect and report hurricanes, contributing to the apparent increase in frequency. 

How This Affects You 

1. Economic Costs: Hurricanes cause billions of dollars in damage to homes, businesses, and infrastructure. It’s essential to ensure you have the right coverage to protect your property and assets. 

1. Human Impact: Frequent hurricanes can lead to loss of life, displacement, and long-term psychological effects. Having a comprehensive insurance policy can provide peace of mind and financial support during difficult times. 

1. Environmental Consequences: Hurricanes can cause severe environmental damage, including coastal erosion, flooding, and destruction of natural habitats. This can have long-term effects on local ecosystems and your property. 

What You Can Do 

Here are some steps you can take to navigate these challenges and ensure you are adequately prepared: 

1. Review Your Insurance Policy: Make sure your policy covers hurricane-related damage, including wind and flood damage. Standard homeowner policies often do not include flood insurance, so consider adding this essential coverage. 

1. Update Your Coverage: As rebuilding costs and living expenses rise, it’s crucial to ensure your coverage limits are up to date. This includes considering additional living expenses coverage, which can help cover temporary housing costs if you are displaced. 

1. Create an Emergency Plan: Have a clear evacuation plan and emergency supplies ready. Ensure all family members know what to do in case of a hurricane. 

1. Strengthen Your Property: Invest in measures to make your home more resilient to hurricanes. This can include installing storm shutters, reinforcing your roof, and securing outdoor items that could become projectiles. 

1. Stay Informed: Keep an eye on weather forecasts and alerts. Early warnings can give you valuable time to prepare and evacuate if necessary. 

Preparing for the Future 

Given the likelihood of continued high hurricane activity, it’s essential to take proactive measures to protect yourself and your property. Investing in resilient infrastructure, improving forecasting and warning systems, and promoting climate action are all critical steps in mitigating the impacts of future hurricanes. 

The recent increase in hurricane landfalls underscores the urgent need to understand and respond to this trend. It’s important to navigate these challenges and ensure you have the coverage you need to protect your assets. Together, we can take comprehensive steps to enhance preparedness and resilience against these powerful natural events. 

**This blog provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverage. These definitions do not alter or modify the terms of any insurance contract.