The 2020 Hurricane Season Comes to a Close
Prepare Today for Tomorrow

December 2, 2020

Contact: Camille Garcia, Director of Communication & Public Affairs 512-713-4262


The 2020 hurricane season has officially come to a close. Texans, who fared better than their neighbors to the east of the Lone Star state, can breathe a little easier since relatively mild events, including Hurricanes Hanna and Laura, made landfall along our coastline. Early in 2020, forecasters predicted that this would be an above normal hurricane season. This year we had 30 named storms, surpassing the previous record of 29 storms in 2005, when Hurricane Katrina devastated parts of the gulf coast.


The insurance industry responded to well over 2 million hurricane related claims across the nation; homeowners, renters, commercial/business and vehicle owners, looked to the insurance industry to recover from these losses. In Orange, Texas alone, estimated insurance losses of $150 million are expected meaning -- Texas had relatively low losses in a high volume hurricane season. Still, hurricanes can produce tragic loss of life and devastating economic impact for individuals and communities like we saw in 2017 after Hurricane Harvey. Thankfully, we did not experience another Harvey this year, though we did see considerable flooding and storm surge, much more than a hurricane's damaging wind.


As we turn the page on another hurricane season, the risk we now face is not from weather, rather, it’s from complacency. Now is the time to prepare for tomorrow since Texas remains home to some of the harshest weather across the 50 states – hail, flooding, tornadoes, lightning, and windstorms, and insurance can help in the rebuilding efforts. We urge Texans to take steps to protect yourself and your property for the next weather event.


Contact your agent or insurance company and review your insurance policy now. Here are some things to consider:

    • Homeowners policies have a vast array of coverage limits and optional coverages. Covering your home to ensure you have sufficient coverage to rebuild and to protect you from the risks our Texas weather brings is critical.
    • Most homeowners policies do not include flood coverage.
    • Along the Texas coast you will also need a separate wind policy.
    • Coastal Texans have wind policy options beyond TWIA; the private market writes more than 52% of wind policies in tier one coastal counties and is often more competitively priced than TWIA. Check out a website that provides wind policy price/coverage comparisons.
    • Vehicle liability insurance is mandatory in Texas, but it doesn’t cover damage from accidents such as falling objects, hail, flooding and theft – comprehensive insurance does!
    • Commercial insurance can help business owners recover when fire, vandalism, hurricanes, tornadoes, among other events cause physical damage to the business.


ICT offers multiple Hurricane and weather related insurance resources including a list of the Costliest Storms In Texas and more information on What To Do After A Loss. ICT also provides Spanish language resources including, Preguntas frecuentes sobre huracanes and Listo-Establecer-Prepar.

For more information, contact Camille Garcia, Director of Communications and Public Affairs at 512-713-4262.



The Insurance Council of Texas is the largest state insurance trade association in the country consisting of approximately 400 property and casualty insurers

writing business in Texas. For more information, see our website , follow us on LinkedIn and Twitter for up to date news and information.


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