Insurance Information Institute urges preparation for above-average 2025 Atlantic hurricane season

The Insurance Information Institute has announced in a press release that it is urging property owners to prepare for an above-average 2025 Atlantic hurricane season.

According to the Insurance Information Institute (Triple-I), the 2025 Atlantic hurricane season is projected to be more active than usual, with forecasts predicting 17 named storms, nine hurricanes, and four major hurricanes. These projections are based on research from Colorado State University's Tropical Meteorology Project, led by Dr. Phil Klotzbach, a non-resident scholar at Triple-I. The organization emphasizes the importance of early preparation during National Hurricane Preparedness Week, which runs from May 4 to May 10, to mitigate potential risks associated with the upcoming season.

The National Oceanic and Atmospheric Administration (NOAA) forecasts a 60% chance of an above-normal Atlantic hurricane season in 2025, anticipating 13 to 19 named storms, six to ten hurricanes, and three to five major hurricanes. This prediction is influenced by factors such as warmer-than-average sea surface temperatures and ENSO-neutral conditions, which are conducive to hurricane formation and intensification. NOAA underscores the necessity for residents in hurricane-prone areas to remain vigilant and prepared, as even a single landfalling hurricane can have significant impacts.

Triple-I advises homeowners to review their insurance policies to ensure adequate coverage, especially considering that home replacement costs have increased by over 55% since 2019 due to rising construction material and labor expenses. The organization also highlights that standard homeowners insurance does not cover flood damage, recommending that property owners obtain separate flood insurance policies through the National Flood Insurance Program (NFIP) or private insurers. Additionally, they suggest creating a detailed home inventory and investing in property resilience measures, such as roof inspections and storm shutters, to expedite the claims process and reduce potential losses.

Since 1960, the Insurance Information Institute has been a trusted source of data-driven insights on risk and insurance. It aims to educate and connect consumers, industry professionals, policymakers, and the media. As an affiliate of The Institutes, Triple-I represents a diverse membership that accounts for nearly 50% of all U.S. property/casualty insurance premiums written. The organization is committed to advancing public understanding of insurance and promoting resilience through expert guidance and communication.