2025 Atlantic Hurricane Season

The 2025 Atlantic Hurricane Season is here and the Department's PrepareFL.com website serves as a one-stop-shop for preparedness and recovery resources. While storms are a regular part of Florida life, proactive planning can significantly reduce their impact and help you recover faster.

Key steps such as assembling an emergency kit, creating an evacuation plan, and safeguarding your home can make all the difference. By staying informed and taking timely precautions, Floridians can approach hurricane season with confidence and resilience, ensuring a smoother path back to normal after a storm.

The Department’s Insurance Consumer Helpline at 1-877-MY-FL-CFO (693-5236) is also available Monday through Friday, from 8 a.m. to 5 p.m. Eastern Time. Call today to speak with a knowledgeable insurance specialist—free of charge.

Hurricane Preparedness Tips:

1. Secure Flood Insurance: Standard homeowner’s policies do not cover flood damage. If you live in a flood-prone area, contact your insurance agent to explore flood coverage options. Florida has over 30 private insurers offering flood insurance, and you may also qualify for the federally-backed National Flood Insurance Program (NFIP).

2. Review and Update Your Coverage: Your home and possessions may have gained value or improvements over the years. Review your insurance policy to ensure your coverage limits remain adequate for current replacement costs.

3. Add Extra Living Expense Coverage: Many homeowners’ policies include additional living expenses that help cover costs if your home becomes uninhabitable, such as motel stays, dining, and storage, during repairs. Confirm these protections are in place.

4. Act Before a Storm Approaches: Insurance providers typically do not accept new applications or changes once a hurricane is near. Since most flood policies take about 30 days to become effective, securing or updating coverage now is crucial before storm threats arise.

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