The Insurance Information Institute’s latest report highlights the increasing flood risks faced by inland areas due to shifting weather patterns. Hurricanes, tropical storms, and thunderstorms are pushing the boundaries of flood-prone regions, underscoring the need for better insurance coverage, flood resilience, and mitigation strategies to bridge the protection gap in non-coastal communities.

Insurance claims in Florida from Hurricanes Helene and Milton have reached $4.775 billion, up $169 million from last week’s total. The storms have left extensive residential and commercial property damage, according to the Office of Insurance Regulation.

A Texas A&M study shows a nearly 20% increase in extreme rainfall during storms like Hurricane Helene, linking climate change to intensified flooding risks across the southeastern United States.

The devastation from Hurricane Helene reveals a significant inland flood-protection gap, particularly in flood-prone communities without sufficient insurance coverage, where misinformation and funding challenges further slow recovery efforts.

Ghost policies, a type of fraudulent workers’ comp coverage, are leaving businesses and employees exposed to high risks, especially in states where such policies remain legal.

Insured losses from global natural catastrophes exceeded the 10-year average, driven by frequent storms and floods, while total economic losses for 2024 remained slightly below average.

Despite the increasing accuracy of hurricane forecasts, meteorologists are facing growing threats, conspiracy theories, and public distrust fueled by misinformation on social media.

Despite rising incomes, Louisiana remains the least affordable state for personal auto coverage across the South and U.S., with premiums nearly 40% above the national average.

Hurricane Helene, a Category 4 storm, caused catastrophic flooding and destruction from Florida’s coast to the Southern Appalachians. Research shows climate change intensified its rainfall, winds, and flooding risks.

Hurricane Milton, a Category 5 storm expected to strike Florida, threatens to deplete U.S. property/casualty insurers’ catastrophe budgets and test global reinsurers’ limits, though most are expected to weather the storm without significant capital impacts.

The Waffle House Index, a quirky yet reliable gauge of storm severity, shows widespread closures across Florida as Hurricane Milton approaches, warning of significant damage and disruption.

As climate-intensified storms expose the limitations of FEMA’s outdated flood maps, millions of Americans may face flood risks without adequate insurance protection, especially in areas prone to heavy rainfall.

Hurricane Milton, set to make landfall as a Category 3 storm, could bring catastrophic impacts to Florida’s Gulf Coast, particularly the Tampa area, just two weeks after Hurricane Helene’s devastation.

Hurricane Milton, now a powerful Category 4 storm, is set to make landfall midweek in Florida, bringing life-threatening storm surges, heavy rain, and strong winds.

As flood risk intensifies, the National Flood Insurance Program is issuing more repeat payouts, with severe repetitive loss properties surging across the U.S., especially in coastal areas vulnerable to storms.