15 US states where homeowners are more likely to be at risk from hurricane damage

Written by admin on May 30, 2026. Posted in Uncategorized.

A waterfront home during evening sunset with storm weather, wind, and palm trees. — Hurricane wind damage accounts for $12.26 trillion in reconstruction cost value, according to Cotality.
krblokhin/Getty Images

It’s the start of hurricane season, and with it comes the risk of home damage.
Cotality ranked states with the biggest risk of hurricane damage, and some of the results were surprising.
Gulf states have more homes susceptible to hurricane wind damage, but the Northeast’s damage can hit harder.

For a lot of homeowners, summer means more than vacations — it also means staying vigilant during hurricane season.

A problem most associated with Southern states hugging the Gulf Coast, like Florida and Texas, hurricanes also pose a serious threat to the Northeast.

Property data and analytics firm Cotality found that while Florida and Texas have the highest amount of homes with moderate or greater risk of hurricane wind damage, the damage in the Northeast can be more devastating.

“While hurricanes hit the Northeast less frequently than the Gulf Coast, the region’s immense population density and property value mean the stakes are incredibly high,” Cotality vice president of insurance market insights Maiclaire Bolton-Smith said in a release.

“It’s critical that homeowners in the Northeast understand that while landfalling hurricanes may not be as frequent as other states, the risk is still real.”

As for metropolitan areas, New York City ranks ahead of any Florida city, with a reconstruction cost value of more than $1.9 billion. The metro also has the most homes with a moderate or greater risk of hurricane wind damage.

In total, more than 32.2 million homes across the United States are at moderate or greater risk from hurricane winds alone, accounting for over $12.26 trillion in reconstruction cost value, according to Cotality.

Below, see the states where homeowners are at the highest risk of hurricane damage.

Median home price data is from Redfin.

15. Maryland

Baltimore downtown skyline aerial. — Maryland.
Kruck20/Getty Images

Number of homes with moderate or greater risk: 479,881

Reconstruction cost value: $179.6 billion

Median home price: $446,900

14. Alabama

Aerial view of Mobile, Alabama's downtown district. — Mobile, Alabama.
adamkaz/Getty Images

Number of homes with moderate or greater risk: 768,390

Reconstruction cost value: $232.7 billion

Median home price: $299,000

13. Pennsylvania

The Philadelphia skyline. — Philadelphia.
Jumping Rocks/Universal Images Group via Getty Images

Number of homes with moderate or greater risk: 781,797

Reconstruction cost value: $360 billion

Median home price: $308,500

12. Connecticut

Hartford, Connecticut skyline. — Hartford, Connecticut.
Sean Pavone/Getty Images

Number of homes with moderate or greater risk: 813,066

Reconstruction cost value: $426 billion

Median home price: $445,100

11. Georgia

Aerial view of the Savannah, Georgia, skyline. — Savannah, Georgia.
Ultima_Gaina/Getty Images

Number of homes with moderate or greater risk: 836,172

Reconstruction cost value: $243.1 billion

Median home price: $373,700

10. Mississippi

An aerial view of a marina, beach, and waterfront of Bay St. Louis, Mississippi. — Bay St. Louis, Mississippi.
ianmcdonnell/Getty Images

Number of homes with moderate or greater risk: 837,860

Reconstruction cost value: $241.8 billion

Median home price: $265,200

9. Virginia

Downtown Richmond skyline aerial with the James River, rapids, and islands in the foreground. — Richmond, Virginia.
Dee Liu/Getty Images

Number of homes with moderate or greater risk: 1,146,781

Reconstruction cost value: $426.4 billion

Median home price: $462,400

8. South Carolina

A marina in Beaufort, South Carolina. — Beaufort, South Carolina.
elan7t50/Getty Images

Number of homes with moderate or greater risk: 1,482,345

Reconstruction cost value: $476.9 billion

Median home price: $397,600

7. Louisiana

New Orleans at sunset. — New Orleans.
Larry Gibson/Getty Images

Number of homes with moderate or greater risk: 1,657,255

Reconstruction cost value: $515.7 billion

Median home price: $260,300

6. Massachusetts

The Boston skyline. — Boston.
DenisTangneyJr/Getty Images

Number of homes with moderate or greater risk: 1,785,383

Reconstruction cost value: $1 trillion

Median home price: $645,400

5. New Jersey

An aerial view of the boardwalk in Atlantic City, New Jersey. — Atlantic City, New Jersey.
Terrell Washington/Getty Images

Number of homes with moderate or greater risk: 2,208,651

Reconstruction cost value: $1.2 trillion

Median home price: $545,300

4. New York

A daytime long exposure of the Brooklyn Bridge and Lower Manhattan. — New York.
cmart7327/Getty Images

Number of homes with moderate or greater risk: 2,213,104

Reconstruction cost value: $1.2 trillion

Median home price: $595,900

3. North Carolina

Southport, North Carolina, sunrise. — Southport, North Carolina.
Larry Gibson/Getty Images

Number of homes with moderate or greater risk: 3,165,030

Reconstruction cost value: $1.1 trillion

Median home price: $381,700

2. Texas

Downtown Fort Worth, Texas, at sunrise. — Fort Worth, Texas.
RudyBalasko/Getty Images

Number of homes with moderate or greater risk: 4,763,476

Reconstruction cost value: $1.5 trillion

Median home price: $341,800

1. Florida

Seawall in St. Augustine, Florida. — St. Augustine, Florida.
Cyndi Monaghan/Getty Images

Number of homes with moderate or greater risk: 8,249,592

Reconstruction cost value: $2.3 trillion

Median home price: $416,800

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15 US states where homeowners are more likely to be at risk from hurricane damage

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