Hurricane risk isn’t exclusive to Florida — or to coastal areas at all, for that matter.Many people, including insurance professionals, do not realize how far hurricane risk can spread.Migration patterns within Florida show that people are aware of risks in the coastal areas the Sunshine state.

But, even as more people move out of coastal Florida to areas further inland, or to other states entirely, they may not realize that hurricane risk can follow them.As we say in this business, lower risk is still risk.Also, not only does hurricane risk stretch further than many assume, but the social impacts of hurricanes are far-reaching (reverberating for longer than just the year these storms strike).

Understanding the full extent of hurricane risk, both in time and space, is important for everyone, especially those in the driver’s seat of this system.The more insurers understand about hurricane risk, the more proactive they can be about assessing hurricane risk in their decisions, and the better they can prepare claims resources for hurricanes, and sub perils like heavy winds and flooding that come with them.With this in mind, Cotality has taken a new approach to the way it presents risk data in its 2025 Hurricane Risk Report.

Turning data into stories Instead of focusing primarily on the forecast for the 2025 Atlantic hurricane season (June through November) and reporting only on the reconstruction values of the millions of likely to-be-impacted properties, we’ve built stories around the data.In this year’s report, we illustrate how areas beyond coastal communities could also suffer.We also restructured our report to analyze the long-lasting social impacts that hurricanes and their subperils have.

We’ve have also captured how increased property mitigation efforts can fortify more than just the structure.While reading data is helpful, information is easier to absorb when it is framed in a captivating story.When insurers understand all the implications of hurricane risk, they are better able to communicate with policyholders on such matters as mitigating their properties against precipitation, winds, and flooding.

Smart mitigation is critical to lowering community hurricane risk.Hurricane risk is set to impact tens of millions of communities from Maine to Florida in the coming months.Read Cotality’s newest Hurricane Risk Report today, and you’ll discover: It’s a short read, but it will change your approach to hurricane preparation and proactive customer engagement.

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