Why 2025’s Hurricane Season Has Been Quiet for U.S. Claims, So Far

Despite a summer filled with storm development in the Atlantic Basin, not a single hurricane had made landfall in the United States through the end of September 2025—the first time this has happened in a decade. While this has offered a welcome reprieve from the kind of catastrophic hurricane-related claims adjusters have faced in recent years, it does not necessarily reflect a weak season. Experts emphasize that this year has seen a standard number of tropical systems, including multiple major hurricanes reaching Category 4 and 5 status—just not on U.S. soil.

Meteorologists point to several atmospheric factors influencing storm paths this season. These include Saharan dry air, persistent Gulf high pressure, and a favorable shift in the North Atlantic Oscillation, which has kept storms away from the East and Gulf Coasts. This pattern change highlights the role of natural variability in hurricane seasons, despite the long-term intensification trends linked to climate change. For adjusters, it’s a reminder that historical data and climate trends must be balanced with an understanding of atmospheric steering patterns.

Although the season has so far spared the U.S. coastlines, the threat hasn’t fully passed. Warm waters in the Caribbean and Gulf remain conducive to late-season storm development, including short-notice ‘homegrown’ systems. Adjusters, especially those in coastal states, should remain vigilant and prepared for sudden weather events through November, despite the downward trend in storm probability.