Hurricane Season Awareness

As we learned from Hurricane Harvey in 2017, a named storm or hurricane has not only the potential for "wind" damage, but record rainfall and massive flooding if the storm becomes stationary over a region. 


June 1st marks the start of hurricane season. The 2018 season, which runs through November 30th, includes a forecast with 70 percent likelihood of 14 named storms, 7 of those storms becoming hurricanes, and 3 major hurricanes (Category 3 or higher). The National Oceanic Atmospheric Administration (NOAA) is summarizing their 2018 forecast prediction as "above average" compared to the long-term 30-year average of 12 named storms, 6 hurricanes and 3 major hurricanes each season.  


There are three stages of storm warnings when a hurricane has formed. Please take into consideration the noted action that should be taken as issued storm warnings progress:

  • Tropical Storm Watch - sustained winds of 39 to 73 mph are possible in the specified coastal area within 48 hours (Now is the time to begin making preparations for life and property. Review your Hurricane Checklist and secure any necessary supplies to weather the storm. Continue to evaluate storm predictions and have a plan for evacuation, if necessary.
  • Tropical Storm Warning - sustained winds of 39 to 79 mph are expected in the specified coastal area within 36 hours (Finalize securing property and focus on protecting lives. If directed by local officials, evacuate prior to further development of the storm.
  • Hurricane Watch - sustained winds of 74 mph or higher are possible in the specified coastal area. A hurricane watch is issued 36 hours in advance of the anticipated onset of tropical storm force winds. (At this stage, preparedness activities become difficult. Take immediate final action to protect your family and property. Evacuate if directed by local officials.


While there is no strong correlation between the number of storms or hurricanes and U.S. landfalls in any given season, one or more of the 14 named storms forecast to develop this season could hit the U.S., or none at all. Therefore, coastal residents should remain vigilant by staying abreast of developing storms and having a storm preparation plan. 


Being prepared includes making certain your insurance coverage is in order. Even though you may have personal or commercial property coverage, you are NOT covered for the peril of flood unless you have purchased a separate flood policy. The coverage under a flood policy is restricted to the National Flood Insurance Program's maximum available limits and is limited in the scope of property covered. Excess flood coverage may be available to provide you with higher limits of coverage and may broaden the definition of "covered property". 


There is a mandatory 30 day waiting period to place flood coverage beginning the date your application and premium payment are received by the insurance company. In addition, the ability to bind coverage for ANY type of property related coverage, including flood insurance, is SUSPENDED once a tropical storm enters certain geographic coordinates. 




Please call a member of your BCH Service Team today to evaluate your current coverage. 


For more tips on preparing for a hurricane, visit,,,

Flood Insurance Claims Handbook