Is Your Home Ready for a Hurricane? 10 Tips to Get Your Property Prepared

The 2024 Atlantic hurricane season was historic and devastating. Hurricane Helene and Hurricane Milton caused catastrophic damage across the southeastern United States, resulting in over 78,500 flood insurance claims totaling more than $5.24 billion in losses. The Federal Emergency Management Agency (FEMA) provided $14.3 billion in disaster assistance following these hurricanes, underscoring the critical importance of home preparedness.

With the 2025 Atlantic hurricane season forecast to bring 13-18 named storms, 9 hurricanes, and 3-5 major hurricanes according to NOAA, now is the time to take action. The following 10 actionable tips will help you prepare your home and property for the next major hurricane.

2. Reinforce or Replace Garage Doors

Garage doors are a weak point in most homes. A single failure can allow wind to enter and create pressure inside your home, potentially causing catastrophic structural damage. FEMA recommends reinforcing or replacing standard garage doors with impact-resistant alternatives.

Action items:

• Install a garage door bracing system if replacement is not immediately feasible.
• Upgrade to a wind-resistant garage door rated for your wind zone.
• Ensure tracks and hardware are in good condition and properly aligned.
• Test garage door operation regularly to confirm it functions smoothly.

3. Protect Windows and Glass Doors

Broken windows are a leading cause of wind and water damage during hurricanes. Impact-resistant windows and shutters can prevent glass from shattering and allow wind to pressurize your home.

Action items:

• Install permanent hurricane shutters on all exterior windows and glass doors.
• If permanent shutters are not an option, prepare plywood panels cut to size and keep fasteners readily accessible.
• Upgrade to impact-resistant windows certified by the Miami-Dade County Building Department or equivalent.
• Seal any gaps around window and door frames to prevent water intrusion.

4. Clean and Secure Gutters and Downspouts

Clogged gutters and downspouts cannot handle the heavy rainfall that accompanies hurricanes, leading to water damage along your roof line and foundation.

Action items:

• Remove all leaves, debris, and sediment from gutters and downspouts.
• Ensure downspouts extend at least 4-6 feet away from your foundation.
• Inspect gutters for rust, damage, and proper slope (1/4 inch per 10 feet toward downspouts).
• Secure loose gutters and fasteners.
• Consider gutter guards to reduce debris accumulation.

5. Trim Trees and Remove Dead Branches

Falling trees and large branches cause significant property damage and pose safety hazards during hurricanes. Regular tree maintenance reduces this risk substantially.

Action items:

• Hire a certified arborist to trim tree branches that hang over your roof, power lines, or fence.
• Remove dead, diseased, or weak trees near your home.
• Maintain trees to remove crossing or rubbing branches.
• Keep branches at least 6-8 feet away from your roof line.

6. Secure Outdoor Items and Equipment

Wind-driven objects can shatter windows, puncture walls, and cause injury. Properly securing outdoor items is essential to hurricane preparedness.

Action items:

• Bring outdoor furniture, grills, planters, and decorative items indoors or secure them with heavy-duty straps.
• Secure air conditioning units, satellite dishes, and antennas to the roof or ground with proper fasteners.
• Remove or secure trash cans and recycling bins.
• Drain and store garden hoses and outdoor faucet covers.
• Park your vehicle in a garage if possible, away from trees.

7. Prepare an Emergency Kit

According to Ready.gov, you should have supplies on hand for at least 3 days (preferably 2 weeks) without access to electricity, fresh water, or services.

Action items:

• Water: Store 1 gallon per person per day for at least 3 days (more for pets and sanitation).
• Food: Stock non-perishable items that do not require cooking or refrigeration.
• Medications: Keep a 30-day supply of prescription medications and first aid supplies.
• Documents: Store copies of insurance policies, deeds, and identification in a waterproof container.
• Communication: Have a battery-powered or hand-crank radio, flashlights, batteries, and a phone charger.
• Cash: Withdraw $500-$1,000 in small bills (ATMs may not be operational).
• Tools: Keep a multi-tool, wrench to turn off utilities, duct tape, and plastic sheeting on hand.

8. Review and Update Your Homeowners Insurance

Important: Most homeowners insurance policies do NOT cover flood damage. You must purchase a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private provider. There is a 30-day waiting period before coverage becomes effective, so do not delay.

Action items:

• Review your homeowners policy and understand your coverage limits and deductibles.
• Confirm that your policy includes wind damage coverage (separate from flood).
• Purchase flood insurance if your home is in a flood zone (check FEMA’s Flood Map).
• Document your home’s contents with photos and video for insurance claims.
• Store insurance documents and contact information in a waterproof container and digitally in a cloud service.
• Contact your insurer in September to discuss any adjustments to your coverage.

9. Install a Backup Generator

Hurricanes frequently cause extended power outages lasting days or weeks. A backup generator powered by propane or natural gas ensures you can run essential appliances and maintain refrigeration for food and medications.

Action items:

• Determine your power needs (essential appliances only or whole-home coverage).
• Have a professional electrician install a generator and automatic transfer switch to safely manage power transition.
• Ensure the generator is placed outside the home with proper ventilation to prevent carbon monoxide exposure.
• Store adequate fuel (propane or gasoline) on hand, and rotate it regularly.
• Test the generator monthly to confirm it operates correctly.

10. Develop an Evacuation Plan

For residents in flood zones or areas prone to storm surge, evacuation may be necessary. NOAA’s National Weather Service issues evacuation orders when conditions warrant, and following them can save lives.

Action items:

• Know your evacuation zone (check your county emergency management website).
• Identify two evacuation routes and practice driving them.
• Determine where you will go (friend’s home, family, or public shelter).
• Keep a car maintenance schedule to ensure your vehicle is in good condition during hurricane season.
• Register for local emergency alert systems (wireless emergency alerts, Reverse 911 calls).
• Prepare a “go bag” with medications, insurance documents, pet carriers, and essential items ready to grab in minutes.
• If you have pets, identify pet-friendly shelters in advance (most public shelters do not accept pets).

The Bottom Line

Hurricane preparedness is not a one-time event-it is an ongoing process. The devastating impacts of 2024’s Hurricane Helene and Milton, which resulted in more than $5.24 billion in insured losses, demonstrate the critical importance of home preparation. By implementing these 10 actionable tips, you can significantly reduce structural damage, protect your family’s safety, and expedite recovery if a hurricane strikes.

Start now. The 2025 Atlantic hurricane season will bring an active forecast with 13-18 named storms expected. Do not wait until a hurricane warning is issued. Take action today to ensure your home and family are ready.

Frequently Asked Questions

Do homeowners insurance policies cover flood damage?

No. Standard homeowners insurance does NOT cover flood damage. You must purchase a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer. There is a 30-day waiting period, so purchase your policy at least one month before hurricane season begins.

What is the best type of hurricane shutter?

Permanent hurricane shutters (accordion, colonial, or storm panel systems) offer the best protection and convenience. Plywood panels are a low-cost alternative but require advance cutting and installation. According to the Insurance Institute for Business & Home Safety (IBHS), any properly installed shutter system reduces window damage significantly.

How much water should I store for an emergency?

Ready.gov recommends storing 1 gallon of drinking water per person per day for at least 3 days. For a family of four, that is 12 gallons minimum. Include additional water for sanitation, pet care, and cooking. Rotate and replace stored water every 6 months.

When should I evacuate for a hurricane?

Follow evacuation orders issued by local emergency management or the National Weather Service. Do not attempt to evacuate when winds exceed 35 mph. If you are in a flood zone or coastal area, begin preparing to evacuate when your area is placed under a Hurricane Watch (conditions possible within 48 hours).

Can I use a generator indoors?

Never operate a generator indoors, in a garage, basement, or partial enclosure. Generators produce carbon monoxide, a deadly, odorless gas. Always place generators at least 20 feet away from windows, doors, and vents, outside the home.

How often should I inspect my roof for hurricane preparedness?

Inspect your roof at least twice a year: once in spring (after winter storms) and once in August (before hurricane season). After significant storms, perform additional inspections. Look for missing or damaged shingles, gaps, rust, and water damage. Hire a professional if you cannot safely access your roof.