Gregory Firmbach

The 2026 Atlantic season began June 1 and runs through November 30, giving Gulf Coast households time to plan before storms develop.
Federal forecasters expect a below-normal year overall: 8 to 14 named storms, 3 to 6 hurricanes, and 1 to 3 major hurricanes.
A quieter forecast can help planning, but risk remains local: one landfall near Sarasota or Manatee can bring surge, flooding, outages quickly.
Start with basics: evacuation routes, meeting spots, emergency contacts, transportation plans, waterproof documents, medications, batteries, flashlights, chargers, water, and food ready at home.
Review flood coverage early because waiting periods apply; secure outdoor items, clear gutters, and follow official forecasts closely before storms appear locally.

Florida Suncoast Hurricane Prep Starts Now

Homeowners facing higher premiums can focus on what they can control: resilience upgrades, deductibles, coverage reviews, claim strategy, shopping, credit, and home-choice factors.
Before investing in storm shutters, fortified roofs, wildfire-resistant features, leak sensors, or retrofits, ask insurers which improvements qualify for premium discounts locally.
Raising a deductible to $1K may save up to ~25% on premiums, but only if cash reserves can cover damage after a claim.
Avoid small claims, especially below deductible, because each filing can affect risk category; review limits yearly to avoid overinsuring possessions or land.
Shopping periodically, comparing bundle offers, maintaining good credit, and weighing insurance costs before buying can help homeowners manage premiums more strategically over time.