An average year will see the US hit with 12 named storms, 9 hurricanes and 3 major hurricanes. However, 2023’s increased warning sees the US being hit with possibly 14-21 named storms, of which 6-11 could become hurricanes and 2-5 of those having the potential to become major hurricanes. But which state is most at risk — and how much does catastrophic weather cost us?
2023 Hurricane season
So far the 2023 Atlantic hurricane season has seen 7 hurricanes and 13 named storms, with Hurricane Idalia being the first hurricane to hit US soil in 2023:
States along the Atlantic coast or by the Gulf of Mexico are most vulnerable to hurricanes, with Florida as the most prone to landfall. Since 1851, over 300 hurricanes have made landfall in the United States, affecting 19 states.
Top 10 hurricane states
Let’s look at the top 10 states for hurricanes.
1. Florida
Florida has the highest number of hurricanes in the US, with 120 hurricanes making landfall in Florida, or 40.4% of all US hurricanes. Of those 120 hurricanes, 37 were major hurricanes at least Category 3, while 47 hurricanes were Category 1 and 36 were Category 2.
2. Texas
Texas is ranked as the state with the 2nd highest number of hurricanes in the US, with 66 hurricanes making landfall in Texas, or 22.22% of all US hurricanes. Of those 66 hurricanes, 19 were major hurricanes at least Category 3, while 31 were Category 1 and 16 were Category 2.
3. Louisiana
Louisiana is ranked as the state with the 3rd highest number of hurricanes in the US, with 56 hurricanes making landfall in Louisiana, or 18.86% of all US hurricanes. Of those 56 hurricanes, 18 were major hurricanes at least Category 3, while 24 were Category 1 and 14 were Category 2.
4. North Carolina
North Carolina is tied as the state with the 3rd highest number of hurricanes in the US, with 56 hurricanes making landfall in North Carolina, or 18.86% of all US hurricanes. Of those 56 hurricanes, 7 were major hurricanes at least Category 3, while 32 were Category 1 and 13 were Category 2.
5. South Carolina
South Carolina is ranked as the state with the 5th highest number of hurricanes in the US, with 30 hurricanes making landfall in South Carolina, or 10.10% of all US hurricanes. Of those 30 hurricanes, 5 were major hurricanes at least Category 3, while 17 were Category 1 and 8 were Category 2.
6. Alabama
Alabama is ranked as the state with the 6th highest number of hurricanes in the US, with 24 hurricanes making landfall in Alabama, or 8.08% of all US hurricanes. Of those 24 hurricanes, 5 were major hurricanes at least Category 3, while 14 were Category 1 and 5 were Category 2.
7. Georgia
Georgia is ranked as the state with the 7th highest number of hurricanes in the US, with 22 hurricanes making landfall in Georgia, or 7.41% of all US hurricanes. Of those 22 hurricanes, 3 were major hurricanes at least Category 3, while 16 were Category 1 and 3 were Category 2.
8. Mississippi
Mississippi is ranked as the state with the 8th highest number of hurricanes in the US, with 19 hurricanes making landfall in Mississippi, or 6.40% of all US hurricanes. Of those 19 hurricanes, 8 were major hurricanes at least Category 3, while 5 were Category 1 and 6 were Category 2.
9. New York
New York is ranked as the state with the 9th highest number of hurricanes in the US, with 15 hurricanes making landfall in New York, or 5.05% of all US hurricanes. Of those 15 hurricanes, 3 were major hurricanes at least Category 3, while 9 were Category 1 and 3 were Category 2.
10. Virginia
Virginia is ranked as the state with the 10th highest number of hurricanes in the US, with 12 hurricanes making landfall in Virginia, or 4.04% of all US hurricanes. Of those 12 hurricanes, 0 were major hurricanes at least Category 3, while 10 were Category 1 and 2 were Category 2.
State with the highest chance of a hurricane being a major hurricane
While Mississippi only accounts for 6.4% of all hurricanes to have hit the United States, when these storm systems make landfall in Mississippi, they tend to be very strong. Over two-fifths (42%) of all Mississippi hurricanes are major.
When are hurricanes most likely to happen?
In the United States, the hurricane season runs from the beginning of June through the end of November. In fact, the US has never been hit by a hurricane outside those months.
September sees the most hurricanes, with about 42% of all hurricanes occurring in that month. August has the next highest frequency of hurricanes at roughly 30%, followed by October at approximately 20%.
The cost of hurricanes is on the rise, both financially and in terms of lives. Two of America’s top 10 costliest hurricanes in the last 5 years, while 9 of the top 10 costliest hurricanes happened in the last 20 years.
Costliest hurricanes and tropical storms to affect the US
Hurricane Katrina in 2005 devastated the US and was by far the most expensive hurricane in the country, causing $193,796 million in damage and seeing 1,833 Americans lose their lives. While Katrina was the most expensive in terms of dollars, the costliest hurricane in regards to lives lost was Hurricane Maria in 2017, which saw 2,981 Americans perish.
However, while 2005’s Katrina was the most costly single event in the last 40 years, 2017 was the costliest year, with costs totaling $328,600 million in 2022 dollars.
If you live in a hurricane-prone state, homeowners insurance will typically cover damage from storms. Policies generally cover damage from lightning, hail, strong winds and other storms. You will need a separate policy to protect yourself from flood damage.
However, just 62% of those living in the 10 most hurricane affected states told finder that they currently have home or renters insurance, as part of Finder’s Consumer Confidence Index survey. By comparison, 69% of those surveyed in states that have never experienced a hurricane said they have home or renters insurance.
Richard Laycock is Finder’s NYC-based senior content marketing manager & insights editor, spending the last decade data diving, writing and editing articles about all things personal finance. His musings can be found across the web including on NASDAQ, MoneyMag, Yahoo Finance and Travel Weekly. Richard studied Media at Macquarie University, including a semester abroad at The Missouri School of Journalism (MIZZOU).
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