Florida Hurricane Season Guide: What Homeowners Need to Know
TL;DR: When Is FL Hurricane Season & How to Protect Your Property
Hurricane season in Florida lasts from June 1 to November 30.
Miami and Orlando share the same storm timeline, with peak risk in September.
Don’t wait—prepare insurance documents and emergency plans ahead of time.
Understand what’s covered under your policy—many don’t include flood insurance.
A Public Adjuster helps you file and maximize your claim after storm damage.
Understanding Hurricane Season in Florida
Florida is no stranger to hurricanes. Whether you're in Miami, Orlando, or anywhere across the Sunshine State, knowing when is FL hurricane season can make the difference between staying safe and being unprepared. This guide covers key dates, risks, and what homeowners should do before, during, and after hurricane season.
When Is Hurricane Season in FL?
The official Florida hurricane season begins June 1st and ends November 30th. While storms can form outside these dates, this is the window when the Atlantic is most active and conditions are ideal for tropical storm and hurricane development.
This timeline is set by the National Hurricane Center and applies to the entire state, including cities like:
Miami, FL
Orlando, FL
Naples, FL (home of Shoreline Public Adjusters!)
During this six-month period, Floridians must be vigilant. It’s not just about prepping your home—it’s also about understanding your insurance policy and knowing who to call when storm damage happens.
When Is Hurricane Season in Miami FL?
Hurricane season in Miami runs from June 1 to November 30, just like the rest of Florida. However, due to its location in Southeast Florida, Miami is particularly vulnerable to hurricanes and tropical storms.
The city faces higher risks of storm surge, flooding, and wind damage.
Miami’s history includes major hurricanes like Andrew (1992) and Irma (2017).
Residents are encouraged to:
Prepare evacuation plans.
Review homeowners or flood insurance.
Have a Public Adjuster ready to review post-storm damages.
When Is Hurricane Season in Orlando FL?
Orlando’s hurricane season also runs from June 1 to November 30. While it’s more inland, the city is not immune to damage. Hurricanes often maintain their strength well into Central Florida.
In Orlando, you can still face:
Roof damage from high winds.
Flooding from rainbands.
Prolonged power outages.
Don’t assume distance from the coast means safety. Inland areas like Orlando still require a solid disaster plan.
When Does Hurricane Season Start in FL?
The season officially starts on June 1st. Early summer storms can bring severe flooding and rain—even before peak activity.
Prep steps to take before June:
Secure outdoor furniture and trim trees.
Verify your insurance coverage (especially for wind and flood damage).
Speak with a Public Adjuster in Florida to review your current policy.
When Does Hurricane Season End in FL?
Florida’s hurricane season ends on November 30th. But don’t let your guard down too soon—some major storms have formed as late as October and even November.
Keep supplies and documentation on hand until the season ends. Claims may still be filed in December for late-season storms.
Why Understanding Florida’s Hurricane Season Matters
Hurricane season isn’t just a date range—it’s a period of heightened risk. For homeowners, it’s when you’re most likely to experience:
Roof leaks or collapse
Flooding from storm surge or rainfall
Broken windows and damaged siding
Mold growth from untreated water damage
Understanding these risks helps you better:
Document damages for claims
Protect your property before a storm hits
Choose the right professionals for repairs
The Financial Impact of Hurricanes in Florida
Each year, hurricanes cause billions in property damage. Florida leads the nation in hurricane-related insurance claims. Unfortunately, many homeowners:
Don’t realize they’re underinsured
File claims incorrectly
Accept lowball settlements from insurance companies
Working with a Public Adjuster ensures you:
Get a fair damage assessment
Receive maximum compensation
Avoid unnecessary claim denials
How Shoreline Public Adjusters Helps Florida Homeowners
At Shoreline Public Adjusters, we specialize in representing homeowners and business owners after hurricane damage.
We’re based in Naples, FL, and proudly serve clients throughout:
Our team helps with:
Tips for Homeowners During Florida Hurricane Season
Before the Storm:
Create a family evacuation plan
Photograph your home and belongings
Review your policy with a Public Adjuster
Prepare a 72-hour emergency kit
After the Storm:
Document all damage immediately
Don’t start major repairs until an adjuster inspects
Contact Shoreline Public Adjusters for a free damage review
FAQs About Hurricane Season in Florida
Is hurricane season the same every year in Florida?
Yes, it always runs June 1 to November 30, but storm activity varies.
Which month has the most hurricanes in Florida?
September is typically the most active, followed by August and October.
Can I file a hurricane claim after November?
Yes. If your home suffered damage late in the season, you can still file into December or beyond, depending on your policy.
Should I hire a Public Adjuster before a storm hits?
While not required, having one pre-vetted can save valuable time and stress when disaster strikes.
Final Thoughts: Stay Informed, Stay Prepared
Florida’s hurricane season is long—but being prepared helps minimize loss. Whether you're in Miami, Orlando, or anywhere across the state, knowing when is FL hurricane season is just step one.
Having a strategy in place—and working with a Public Adjuster like Shoreline—means you're ready to protect your home, your finances, and your peace of mind.
Contact Us Today for a Free Hurricane Damage Consultation
Don’t wait until after a storm. Whether you’re unsure about your coverage or need to file a claim, Shoreline Public Adjusters is here to help. Serving Florida, Minnesota, and Wisconsin.
📞 Call us or visit www.teamshoreline.com to get started.
Shoreline Public Adjusters, LLC
780 Fifth Avenue South
Suite #200
Naples, FL 34102Email: hello@teamshoreline.com
Phone: 954-546-1899
Fax: 239-778-9889
