Homeowners insurance can protect you against a wide range of risks, but not everything is covered. That’s a problem as severe weather becomes more common and costly.
The 2025 Atlantic hurricane season, for example, has already produced nine named storms — four hurricanes, including three major systems with winds over 115 mph. While the U.S. mainland has so far avoided major landfalls this fall, experts warn that even late-season cyclones can deliver destructive winds and flooding.
