When Does Hurricane Season End? Dates, Peak and What It Means for Your Insurance

By Homeland Public Adjusters
Licensed public adjusters serving Florida & New Jersey

Chart of the Atlantic hurricane season from June 1 to November 30, peaking around September 10

Short answer: the Atlantic hurricane season runs from June 1 to November 30 each year. The peak is around September 10: averaged over the last 100 seasons, that is when the most named storms have occurred, according to NOAA. Storms can and do form outside those dates, so the end of the season is not a guarantee.

Why the season peaks in September

By late summer the ocean is at its warmest and the atmosphere is most favorable for storms to form and strengthen. That is why so many damaging storms reach Florida and the East Coast in August, September and October. New Jersey is not out of reach: Superstorm Sandy made landfall in New Jersey on October 29, 2012, and the remnants of Hurricane Ida caused deadly flooding in New Jersey on September 1, 2021.

What hurricane season means for your policy

• Your hurricane deductible. Florida homeowners policies have a separate hurricane deductible, usually a percentage of the dwelling limit: $500, 2%, 5% or 10%, with some exceptions for higher-value homes. It applies from the time the National Hurricane Center issues a hurricane warning for any part of Florida until 72 hours after the last hurricane watch or warning for any part of Florida ends. Read What Is a Hurricane Deductible? for how it works in Florida and New Jersey.
• It is an annual deductible in Florida. The hurricane deductible applies once per calendar year for each insurer group. Once you have met it, later hurricane claims that year use your all other perils deductible. If you have only partly used it, the next hurricane claim uses the greater of the remaining balance or the all other perils deductible. See calendar year deductible.
• Flood is separate. Most homeowners policies exclude flood. A National Flood Insurance Program policy generally has a 30-day waiting period, so buying one when a storm is already forecast is usually too late. See Flood Zones Explained.
• Coverage freezes when a storm threatens. Citizens suspends new coverage and coverage increases statewide as soon as the National Weather Service issues a tropical storm or hurricane watch or warning for any part of Florida, and keeps the suspension until the threat passes. Other insurers set their own rules. Review your coverage before the season, not during a watch.

Before, during and after a storm

• Before: photograph or video every room, the roof and the outside of the home, with dates. Keep your declarations page, receipts and inspection reports somewhere you can reach from your phone. The free Adjuster Advantage app has a home inventory, a storm tracker and a hurricane checklist for this.
• During: follow evacuation orders. Your safety comes first; property can be replaced.
• After: when it is safe, photograph the damage before you clean up, make temporary repairs to prevent more damage and keep every receipt. Then call Homeland first: we review your policy, document the loss, and handle the claim with your insurer for you.

Florida has strict deadlines for reporting hurricane and other property claims. Read Florida and New Jersey Property Insurance Claim Deadlines so a deadline does not cost you the claim.

Frequently asked questions

Sources: NOAA NESDIS, Atlantic hurricane season hits its peak; Florida Department of Financial Services, Florida’s hurricane deductible; Citizens, binding suspension notice (September 27, 2025); FEMA FloodSmart (NFIP).

This guide is general information, current as of October 2026. It is not legal advice. Hurricane deductible rules vary by state, insurer and policy; your declarations page and policy control.

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