Hurricane season brings uncertainty—but the key to weathering any storm is preparation. Whether you’re a seasoned coastal resident or new to hurricane-prone areas, knowing how to prepare before a storm hits can make a critical difference in protecting your loved ones, your property, and your peace of mind.

Here are 10 essential steps to help you stay ahead of the storm.

1. Know Your Risk and Evacuation Zone

Start by understanding your area’s vulnerability to storm surge, flooding, and wind damage. Check with your local Emergency Management Agency to find out if you’re in an evacuation zone and where the nearest shelters are located. Don’t wait until a storm is imminent—have a plan in place now.

2. Create an Emergency Plan

Your emergency plan should include:

• Evacuation routes

• Family meeting points

• Emergency contact information

Don’t forget to include considerations for pets, elderly relatives, and anyone with special needs. Practice your plan regularly so everyone knows what to do if time is short.

3. Build a Hurricane Kit

A well-stocked emergency supply kit should contain:

• At least three days’ worth of nonperishable food and water (1 gallon per person per day)

• Flashlights and batteries

• Medications and hygiene supplies

• Cash

• Copies of important documents

• Phone chargers, pet supplies, and comfort items for kids

4. Review Your Insurance Coverage

Log in to your client portal or contact your insurance agent to confirm that your policies are up to date. Ensure your coverage includes protection against wind, water, and flood damage.

Note: Standard homeowners policies typically do not cover flood damage, and flood insurance usually has a 30-day waiting period—so plan ahead!

5. Protect Your Home

Before the storm:

• Trim trees and clear gutters

• Secure loose outdoor items (like furniture and tools)

• Board up windows or install storm shutters

• Reinforce garage doors

• Check the roof for loose or missing shingles

6. Prepare for Power Outages

Power may be out for days or even weeks. Be ready:

• Charge electronics ahead of time

• Stock up on batteries

• Consider a generator if you rely on medical equipment

• Store extra fuel safely and operate generators outdoors to prevent carbon monoxide poisoning

7. Fuel Up and Refill Prescriptions

In the days before a storm, gas stations and pharmacies often run out of supplies. Fill your car’s tank and make sure you have at least a week’s worth of medications on hand.

8. Stay Informed

Monitor trusted sources like the National Hurricane Center or local news for real-time updates. Sign up for emergency alerts via text or app, and keep a battery-powered or hand-cranked radio nearby.

9. Safeguard Important Documents

Protect personal documents such as:

• Birth certificates

• Insurance policies

• Passports

• Medical records

Store them in a waterproof container or digitally in a secure cloud storage account.

10. Be Ready to Evacuate

If officials issue an evacuation order, leave immediately. Delaying your departure can put you and first responders in danger. Know in advance where you’ll go—whether it’s a shelter, hotel, or a friend’s home outside the danger zone.

Final Thought

Hurricanes are powerful and unpredictable—but early action and a calm, informed approach can make all the difference. Preparation isn’t panic—it’s peace of mind. Start today.