The official Atlantic hurricane season runs from June through November, but occasionally storms form outside those months. Seasonal hurricane forecasting from Colorado State University is available .
According to the , a tropical cyclone is a rotating low-pressure weather system that has organized thunderstorms but no fronts, Hurricanes are tropical cyclones that have sustained winds of 74 mph. At this point a hurricane reaches Category 1 on the Saffir-Simpson Hurricane Wind Scale, which ranges from 1 to 5, based on the hurricane’s intensity at the time of landfall at the location experiencing the strongest winds. The scale provides examples of the type of damage and impacts in the United States associated with winds of the indicated intensity. It does not address the potential for other hurricane-related phenomena such as storm surge, rainfall-induced floods and tornadoes.
Costliest U.S. Hurricanes
The chart below shows insured losses in dollars for the top 10 costliest hurricanes in the United States when they occurred and in 2025 dollars adjusted for inflation. According to Aon, Katrina was the costliest hurricane on record, causing $65 billion in insured losses in 2005, including losses from the National Flood Â鶹Éç Program (NFIP). Losses from Katrina totaled $107.5 billion in 2025 dollars.
Top 10 Costliest Hurricanes In The United States, 2025 (1)
|
|
|
Estimated insured loss |
| Rank |
Year |
Hurricane |
Dollars when occurred |
In 2025 dollars (2) |
| 1 |
2005 |
Hurricane Katrina |
$65,000 |
$107,495 |
| 2 |
2022 |
Hurricane Ian |
54,000 |
58,854 |
| 3 |
2021 |
Hurricane Ida |
36,000 |
42,742 |
| 4 |
2012 |
Hurricane Sandy |
30,000 |
42,124 |
| 5 |
2017 |
Hurricane Harvey |
30,000 |
39,678 |
| 6 |
2017 |
Hurricane Irma |
30,050 |
39,544 |
| 7 |
2017 |
Hurricane Maria |
29,500 |
38,822 |
| 8 |
1992 |
Hurricane Andrew |
16,000 |
36,883 |
| 9 |
2008 |
Hurricane Ike |
18,200 |
27,019 |
| 10 |
2014 |
Hurricane Milton |
20,000 |
20,579 |
(1) Includes Puerto Rico and the U.S. Virgin Islands and losses sustained by private insurers and government-sponsored programs such as the National Flood Â鶹Éç Program. Subject to change as loss estimates are further developed. As of January 2026.
(2) Adjusted for inflation by Aon using the U.S. Consumer Price Index.
Source: Aon.
Hurricanes And Related Deaths In The United States, 2000-2024
| Year |
Total
hurricanes (1) |
Made landfall
as a hurricane
in the U.S. |
Deaths (2) |
| 2000 |
8 |
0 |
5 |
| 2001 |
9 |
0 |
55 |
| 2002 |
4 |
1 |
12 |
| 2003 |
7 |
2 |
58 |
| 2004 |
9 |
5 |
159 |
| 2005 |
15 |
5 |
1,414 |
| 2006 |
5 |
0 |
3 |
| 2007 |
6 |
1 |
18 |
| 2008 |
8 |
3 |
160 |
| 2009 |
3 |
0 |
5 |
| 2010 |
12 |
0 |
8 |
| 2011 |
7 |
1 |
55 |
| 2012 |
10 |
1 |
173 |
| 2013 |
2 |
0 |
4 |
| 2014 |
6 |
1 |
4 |
| 2015 |
4 |
0 |
31 |
| 2016 |
7 |
2 |
60 |
| 2017 |
10 |
4 |
3,173 |
| 2018 |
8 |
2 |
123 |
| 2019 |
6 |
2 |
23 |
| 2020 |
14 |
6 |
90 |
| 2021 |
7 |
2 |
121 |
| 2022 |
9 |
2 |
186 |
| 2023 |
7 |
1 |
16 |
| 2024 |
11 |
5 |
356 |
(1) Atlantic Basin only.
(2) Includes fatalities from high winds of less than hurricane force from tropical storms.
Source: Â鶹Éç Information Institute from data supplied by the U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Hurricane Center, Puerto Rico Department of Health.
Top 10 Most Significant Flood Events By National Flood Â鶹Éç Program Payouts, 2025 (1)
| Rank |
Date |
Event |
Number of
paid losses |
Amount paid
when occurred
($ millions) |
Amount paid
in 2025 dollars
($ millions) |
Average paid loss
in 2025 dollars |
| 1 |
Aug. 2005 |
Hurricane Katrina |
168,200 |
$16,330 |
$27,007 |
$160,565 |
| 2 |
Oct. 2012 |
Superstorm Sandy |
132,800 |
8,967 |
12,591 |
94,812 |
| 3 |
Sep. 2017 |
Hurricane Harvey |
77,100 |
9,015 |
11,926 |
154,682 |
| 4 |
Sep. 2024 |
Hurricane Helene |
57,800 |
5,803 |
5,978 |
103,426 |
| 5 |
Sep. 2022 |
Hurricane Ian |
48,000 |
4,300 |
4,687 |
97,646 |
| 6 |
Sep. 2008 |
Hurricane Ike |
46,900 |
2,711 |
4,024 |
85,800 |
| 7 |
Aug. 2016 |
Louisiana severe storms and flooding |
27,600 |
2,522 |
3,401 |
123,225 |
| 8 |
Sep. 2004 |
Hurricane Ivan |
31,000 |
1,671 |
2,859 |
92,226 |
| 9 |
May 2001 |
Tropical Storm Allison |
30,900 |
1,110 |
2,025 |
65,534 |
| 10 |
Aug. 2011 |
Hurricane Irene |
43,800 |
1,344 |
1,927 |
43,995 |
(1) Defined by the National Flood Â鶹Éç Program as an event that produces at least 1,500 paid losses, since 1978. As of January 2026.
Source: Federal Emergency Management Agency (FEMA) National Flood Â鶹Éç Program (NFIP) data; analysis courtesy of Aon.
U.S. Storm Surge Risk, Gulf and Atlantic States, 2025
| Storm surge risk level |
Number of homes |
Reconstruction cost value (1)
($billions) |
| Moderate or greater |
6,619,562 |
$2,187.4 |
(1) Combines materials, equipment and labor, but does not include the value of the land or lot.
Source: CotalityTM, a property data and analytics company.
U.S. Hurricane Wind Risk, Gulf and Atlantic States, 2025
| Hurricane wind risk level |
Number of homes |
Reconstruction cost value (1)
($billions) |
| Moderate or greater |
33,108,821 |
$11,675.9 |
(1) Combines materials, equipment and labor, but does not include the value of the land or lot.
Source: CotalityTM, a property data and analytics company.
Top Metropolitan Areas At Risk for Storm Surge and Hurricane Wind, 2024
|
At risk for storm surge |
| Metropolitan area (1) |
Number of homes |
Reconstruction cost value (2) ($billions) |
| New York |
878,226 |
$415.4 |
| Miami |
509,133 |
124.0 |
| Houston |
192,937 |
52.6 |
|
At risk for hurricane wind |
| Metropolitan area (1) |
Number of homes |
Reconstruction cost value (2) ($billions) |
| New York |
3,765,489 |
$1,961.1 |
| Houston |
2,092,308 |
671.3 |
| Miami |
2,048,827 |
511.4 |
(1) The Miami, New York and Houston metro areas studied in this analysis are defined by the Core Based Statistical Areas (CBSAs) of that region. In Miami, this includes the Miami-Fort Lauderdale-Pompano Beach, FL area; in New York City, this includes the New York City-Newark-Jersey City, NY-NJ-PA area; in Houston, this includes Houston-The Woodlands-Sugarland, TX.
(2) Combines materials, equipment and labor, but does not include the value of the land or lot.
Source: CoreLogic®, a property data and analytics company.
