Florida Hurricane Season 2026: Forecast, Dates & Insurance Prep Guide

2026 Atlantic hurricane season runs June 1–Nov 30. Get the latest forecast, peak dates for Florida, and essential insurance prep steps.

TL;DR Atlantic hurricane season runs June 1 through November 30, with South Florida’s peak risk typically mid‑August to late September. Do not wait for watches and warnings to tune up your coverage. Forecasts change. Use them to plan groceries, not your insurance decisions. Your policy, deductibles and documentation will determine how you weather 2026 financially. Homeowners: confirm your dwelling limit, hurricane or named storm deductible, roof credits, and flood status. Renters: get an HO‑4 policy and consider flood for contents. Businesses: review business income, extra expense, and utility service interruption. Flood is not covered by homeowners or renters insurance. Most flood policies have a 30‑day wait, so start now. If a storm hits: report damage promptly, photograph everything, make only temporary repairs, save receipts, and keep a claim diary. File wind and flood as separate claims if water rose from the ground. We’re an independent agency in Lantana. We shop multiple carriers and walk you through options — from wind‑only to Citizens and private flood. What happened I’m Barbara in our Lantana office. Twenty‑two hurricane seasons behind me, plenty of blue tarps and palm fronds later, and here we are again in 2026. Hurricane season officially began June 1 and runs through November 30. In Palm Beach County — 33462 Lantana, 33435 Boynton Beach, 33461 Lake Worth Beach, 33480 Palm Beach — our long, hot stretch is also our risk window. The playbook does not change much year to year, but the insurance fine print does. That is what you want buttoned up before the first cone hits your screen. When it starts and the key dates that actually matter Season window: June 1–November 30 Typical Florida peak: mid‑August through late September Flood insurance waiting period:…