Top 4 Cities at Highest Risk from Hurricanes

Jul 26, 2022

A new report shows that New York, Miami, Tampa and New Orleans have the highest risk of heavy property damage from hurricane storm surges. Your clients in these areas need to pay particularly close attention to their insurance policies to ensure they have the protection that they will likely need.

As this recent Insurance Journal article explains, these four cities have:

  • Nearly 2.5 million homes at risk of storm surge flooding, with a replacement cost value (RCV) of $804 billion.
  • 7.8 million homes with $2.3 trillion in combined RCV at risk of hurricane-related damages.
  • 33 million homes with nearly $10.5 trillion in combined RCV at risk of hurricane-force wind damages.

Since this year’s Atlantic hurricane season is predicted to be more active than usual, it will likely lead to higher property losses. As a result, the insurance industry is expected to see increased Homeowners Insurance claims in coastal areas.

New York, Houston, Miami, and Philadelphia have the highest wind damage risks, per the report.

Jencap specializes in Personal Lines Insurance. From your primary home, with all lines included, to your monoline coastal secondary home, our experts have your valued properties and personal assets protected. Please contact us for more information.

The Jencap Property Insurance Team

The Jencap Property Insurance Team

Jencap’s property teams have extensive experience with all manner of occupancies and have unparalleled specialization in designing, implementing, and servicing complex property insurance and reinsurance programs. Our team welcomes the challenges presented by CAT-exposed properties, vacant buildings, offensive claims history, new ventures, and everything in between!
florida | hurricanes | property insurance | property policies | property valuation | trends



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The property market has been plagued in recent years with ever-shrinking capacity and rising premiums. Now, more than ever, it’s vital to partner with a strong, national wholesaler who puts its size and reputation to work for you and your clients. By working with Jencap, you’re able to leverage the collective experience and industry expertise of an entire team. We’ll arm you with unparalleled market access, as well as the industry insights needed to navigate this challenging environment. No matter the risk, your clients can trust that with Jencap, they’ll be in the strongest position possible at the negotiating table.

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