2025’s Hurricane Forecast: Most (& Least) Affected Counties

Aerial radar of a cyclone from a hurricane or tropical storm

Which U.S. counties are most in harm’s way this hurricane season? 

With NOAA predicting an “above-normal” storm season, LawnStarter ranked 2025’s Most (& Least) Affected Counties by Hurricanes using 10 metrics across 4 categories.

Some findings? A staggering $5.8 billion in potential annual hurricane damages is concentrated in just 10 counties, nearly one-third of the projected nationwide loss. 

Other stormy stats: 

  • 🔍 Over the past 10 years, 16 of the 318 ranked counties saw 100% of their hurricanes reach Category 3 or stronger.
  • 🌀 9 counties have weathered 3 or more hurricanes in the past decade, led by Osceola County, Florida, and Terrebonne Parish, Louisiana, at 5 each.
  • 🌧️ Of 78 counties hit by a hurricane in the past decade, only Bay County, Florida, home to Panama City, endured a Category 5 storm.

See where over 300 U.S. counties ranked below. To learn how we ranked the counties, see our methodology.

Contents

County Rankings

See how each county fared in our ranking:

Top 5 Most Affected Counties

See the slideshow below for a closer look at each of our 5 most at-risk counties.

Panama City, Florida, skyline at the bay
No. 1: Bay County, Florida | 3 Biggest Cities: Panama City, Lynn Haven, and Panama City Beach

Overall Score: 53.28

Hurricane Risk Score: 98.74 | Rank: 29
Total Number of Hurricanes (Last 10 Years): 2 | Rank: 10 (tie)
Number of Category 5 Hurricanes (Last 10 Years): 1 | Rank: 1
Expected Annual Loss from Hurricanes: $134.3 million | Rank: 33
Number of National Disaster Debris Recovery Facilities (EPA 2025): 2 | Rank: 65 (tie)

Photo Credit: Ignacio / Adobe Stock / License
Aerial view of city and gulf Cape Coral, Florida
No. 2: Lee County, Florida | 3 Biggest Cities: Fort Myers, Cape Coral, and Lehigh Acres

Overall Score: 51.15

Hurricane Risk Score: 99.78 | Rank: 6
Total Number of Hurricanes (Last 10 Years): 2 | Rank: 10 (tie)
Number of Category 4 Hurricanes (Last 10 Years): 1 | Rank: 2 (tie)
Expected Annual Loss from Hurricanes: $388 million | Rank: 6
Number of National Disaster Debris Recovery Facilities (EPA 2025): 12 | Rank: 223 (tie)
Photo Credit: murmakova / Adobe Stock / License
Drawbridge over a bayou in Houma, Louisiana
No. 3: Terrebonne Parish, Louisiana | 3 Biggest Cities: Houma, Bayou Cane, and Gray

Overall Score: 49.17

Hurricane Risk Score: 97.89 | Rank: 48
Total Number of Hurricanes (Last 10 Years): 5 | Rank: 1 (tie)
Number of Category 4 Hurricanes (Last 10 Years): 1 | Rank: 2 (tie)
Expected Annual Loss from Hurricanes: $99.7 million | Rank: 48
Number of National Disaster Debris Recovery Facilities (EPA 2025): 4 | Rank: 131 (tie)

Photo credit: Mosto / Adobe Stock / License
View of Lake Silver in Lakeland, Florida
No. 4: Polk County, Florida | 3 Biggest Cities: Lakeland, Poinciana, and Winter Haven

Overall Score: 44.02

Hurricane Risk Score: 98.65 | Rank: 31
Total Number of Hurricanes (Last 10 Years): 4 | Rank: 3 (tie)
Number of Category 3 Hurricanes (Last 10 Years): 2 | Rank: 1 (tie)
Expected Annual Loss from Hurricanes: $120 million | Rank: 38
Number of National Disaster Debris Recovery Facilities (EPA 2025): 9 | Rank: 203 (tie)

Photo Credit: Brenda / Flickr / Public Domain
Aerial view of the ocean and bridges in Punta Gorda, Florida
No. 5: Charlotte County, Florida | 3 Biggest Cities: Port Charlotte, Punta Gorda, and Englewood

Overall Score: 43.39

Hurricane Risk Score: 98.12 | Rank: 43
Total Number of Hurricanes (Last 10 Years): 3 | Rank: 5 (tie)
Number of Category 4 Hurricanes (Last 10 Years): 1 | Rank: 2 (tie)
Expected Annual Loss from Hurricanes: $109 million | Rank: 44
Number of National Disaster Debris Recovery Facilities (EPA 2025): 7 | Rank: 2 (tie)

Photo Credit: Yayochavez / Adobe Stock / License

Key Insights

Florida and Louisiana counties dominate the 2025 ranking, claiming 35 of the top 50 spots. Florida was hit hard by Hurricane Helene in 2024, which brought widespread flooding and damaging winds. Taylor County, Florida (No. 11), home of Perry and Steinhatchee, recorded some of the highest wind gusts during the storm. 

Harris County, Texas (No. 15), home to Houston, has the highest Hurricane Risk Score and expected annual loss in the country, more than $1.15 billion annually, according to FEMA. A recent study found that 91% of Houston is not hurricane-ready, and nearly all residents lost power during both a recent derecho and Hurricane Beryl. 

Despite every county in the ranking facing at least moderate hurricane risk, places like Lehigh County, Pennsylvania (No. 318), home of Allentown, and Bexar County, Texas (No. 304), home San Antonio, land at the bottom, with lower storm activity and direct hits in recent years. 

Louisiana is already bracing for hurricane season, with the National Guard updating emergency response plans, but nature may offer a twist. Saharan dust drifting across the Atlantic Ocean could suppress storm development this summer, even as coastal parishes like Jefferson (No. 13), Terrebonne (No. 3), and Orleans (No. 16) rank among the most potentially affected.

Honolulu County, Hawaii (No. 306), is the only Pacific coast county in the ranking. While there’s always a threat, Hawaii’s risk remains lower because of infrequent landfall and reduced financial impact. The Pacific Coast is largely spared from hurricanes because of cold ocean currents and prevailing winds that steer storms away. 

Editor’s Note

I lived on the Big Island of Hawaii for a time, and to say I experienced the best weather of my life is an understatement. I remember only hearing thunder and lightning once in the 5 years I lived there. Hawaii’s unique geography keeps most storm drama away, but when a hurricane did start heading our way, it was a different story. Stores emptied fast (unless you were in the market for SPAM), gas stations ran dry, and ATMs were tapped. Everyone prepared like it was a guaranteed hit. I lived on the leeward (or dry) side of the island, shielded by a volcano, and as often happens in Hawaii, the storm veered off at the last minute. In the end, we barely got a breeze.

Discover more hurricane stats below.

Top 10 Counties With the Highest Expected Annual Financial Loss

1. Harris County, TX

Houston, Pasadena, Atascocita

$1.15 billion

2. Broward County, FL

Fort Lauderdale, Pembroke Pines, Hollywood

$894.8 million

3. Palm Beach County, FL

West Palm Beach, Boca Raton, Boynton Beach

$863.8 million

4. Miami-Dade County, FL

Miami, Hialeah, Miami Gardens

$831.7 million

5. Hillsborough County, FL

Tampa, Brandon, Riverview

$441.6 million

6. Lee County, FL

Cape Coral, Lehigh Acres, Fort Myers

$387.9 million

7. Brevard County, FL

Orlando, Palm Bay, Melbourne

$365.9 million

8. Charleston County, SC

Charleston, Mount Pleasant, James Island

$358.2 million

9. Pinellas County, FL

St. Petersburg, Clearwater, Largo

$286.7 million

10. Collier County, FL

Golden Gate, Immokalee, Naples

$281.1 million

Ask the Experts

The U.S. faced 27 billion-dollar disasters in 2024, totaling more than $180 billion in damages, well above recent averages. It was also the hottest year ever recorded globally, according to NOAA, fueling more intense and frequent storms.

We asked a panel of experts how Americans can better prepare for hurricane season and recover from its aftermath. Read their insights below: 

  1. Who is most at risk for financial and emotional distress from hurricanes? 
  2. What are the 3 best resources for disaster relief? 
  3. What are the top 3 ways to prepare for a severe hurricane? 
  4. What are the 3 best ways to help those who were affected by a hurricane? 
  5. How can local governments best prepare for increasingly intensifying hurricanes in the U.S.?
Gregory Jenkins
Gregory S. Jenkins
Professor of Meteorology and Atmospheric Science, Geography, and African Studies
Joel Cline
Joel Cline
Tropical Program Coordinator at NOAA National Weather Service
Jill Trepanier
Jill C. Trepanier, Ph.D.
Associate Professor, Director of Graduate Studies, and Geography and Anthropology
Gregory Jenkins
Gregory S. Jenkins
Professor of Meteorology and Atmospheric Science, Geography, and African Studies
Pennsylvania State University

Who is most at risk for financial and emotional distress from hurricanes?

Those who are living in poverty or are in lower income brackets [are most at risk] because the cost of evacuating and any recovery cost makes these communities highly vulnerable. 

Resilience is extremely difficult for these communities. Black and Hispanic communities have a higher risk because of historical policies and practices.

What are the three best resources for disaster relief?

  1. FEMA — Federal Emergency Management Agency
  2. Red Cross 
  3. Local organizations and nonprofits

What are the top three ways to prepare for a severe hurricane?

  • If it is severe, you should evacuate. However, the key is to know beforehand where valuables are kept in the event of evacuation.
  • Keep phone contacts and other important documents in a ziplock bag in the event of flooding.
  • Have a hurricane plan in place now. 

What are the three best ways to help those who were affected by a hurricane?

  • Determine their emotional, physical, and mental needs — and if they know where family members are located.
  • Help them to get through the short-term stress and shock from the loss of property and life.
  • Help them to find resources to address immediate and short-term needs.

How can local governments best prepare for increasingly intensifying hurricanes in the U.S.?

  • Message the community about the power, typical damage of hurricanes, and why evacuation is required.
  • Help them to prepare hurricane kits and identify important documents.
  • Provide some guidance about how to evacuate and the needed resources for evacuation.
Joel Cline
Joel Cline
Tropical Program Coordinator at NOAA National Weather Service
NOAA National Weather Service

What are the top three ways to prepare for a severe hurricane?

I would begin with the basics:

  1. Know if you are in an evacuation zone and have a route planned along with keeping all your important documents together to take with you or keep in a safe place that will not be underwater in your house.  
  2. Have supplies, food, water, and medications on hand to last several days to two weeks without power. This includes taking care of animals as well.
  3. Have a way to get weather alerts from a trusted source such as hurricanes.gov or weather.gov and stay updated on the conditions. Determine and stay in a safe location and be prepared to adhere to the instructions and advice of local officials.  

What are the three best ways to help those who were affected by a hurricane?

  1. Often it is the basics that are required after a hurricane affects an area: shelter, water, ice, and food that will not go bad in unrefrigerated conditions. 
  2. They are likely to need assistance clearing the area safely and not over-exerting themselves and staying cool in the process as best you can.  
  3. Finally, a lot of people are shocked by what took place and need someone to listen and help them according to what you learned from hearing their talking points.  

How can local governments best prepare for increasingly intensifying hurricanes?

Mitigate the impacts wherever possible. If a coastal community perhaps setback laws and restrictions and had post-evacuation routes and shelters that are tested and stocked with food and equipment to house evacuees are some ways [to prepare]. 

Inland areas that will feel the impacts of hurricanes need to prepare by possibly taking action along known flood areas with the removal of people and perhaps longer-term solutions of dedicating those lands to uses other than living spaces.  

This answer could go in many different directions based on whether you are inland or coastal and where you live. The best answer is to contact your local emergency managers for advice for your area.  

Jill Trepanier
Jill C. Trepanier, Ph.D.
Associate Professor, Director of Graduate Studies, and Geography and Anthropology
Louisiana State University

Who is most at risk for financial and emotional distress from hurricanes?

The people most at risk for financial distress are:

  • Those without insurance.
  • Those living in mobile homes — simply due to the structure being more vulnerable to damage.
  • Those without any savings to assist with the time in between disaster and the receipt of insurance funds. 

The people at risk for emotional distress are likely those with higher levels of responsibilities — someone with children, animals, multiple properties, or multiple affected family members. 

Emotional distress, however, can be a result of someone who might have been more vulnerable (dealing with stress, etc.) prior to the disaster and now the disaster has been a tipping point. Emotional distress is complicated because it can affect all of us for different reasons.

What are the three best resources for disaster relief?

  1. Local emergency officials
  2. The Red Cross
  3. FEMA Disaster Recovery Centers

What are the top three ways to prepare for a severe hurricane?

  1. Proactive behavior. Prior to the hurricane season, people should follow the advice of the National Hurricane Center and get prepared. Have a “hurricane kit.” Pay attention to local officials and, when an event is oncoming, prioritize your preparation. Start with securing energy sources (solar-powered devices are really becoming helpful), making sure you have food that does not require energy to prepare, and securing water supplies. 
  2. Then you have to secure the area. Make sure all outside materials are picked up and moved inside. Damages escalate when things become projectiles.
  3. Only evacuate if told to do so or if experience tells you that your area will flood.

What are the three best ways to help those who were affected by a hurricane?

  1. Provide use of energy.
  2. Provide food.
  3. Provide water. 

If you are unable to come into the area, electronic payments can be very helpful to try and offset some of the costs. Venmo is very useful if people can get internet access — which is often available at Disaster Relief Centers.

How can local governments best prepare for increasingly intensifying hurricanes in the U.S.?

Identify places with the least amount of protection currently and prioritize those areas for enhanced protection. If we can protect more areas and more people, then the disaster impact is lessened and the state will recover more quickly.

Methodology

We identified the 10 most relevant factors for ranking the Top U.S. Counties Most at Risk for Hurricanes and grouped them into four categories: 

  • Hurricane Risk
  • Hurricane History
  • Financial Impact
  • Disaster Cleanup

Each factor was assigned a weight based on its impact. The categories, factors, and weights are listed in the table below. 

We then evaluated the 318 U.S. counties with a FEMA-designated Hurricane Risk Score using data from the sources listed below the table. Each county received a score (out of 100) for every factory, category, and overall. 
A county’s Overall Score is the average of its score across all metrics. The county with the highest score ranked No. 1 (most affected), while the county with the lowest score ranked No. 318 (least affected).

Notes

  • The “Worst” among individual factors may not be No. 318 due to ties.
  • Hurricanes that passed within 100 miles of a county’s center, the average radius of a hurricane, were counted toward that county’s storm history, even if landfall occurred elsewhere. 
  • FEMA does not provide Hurricane Risk Scores for the Eastern Pacific Basin, so West Coast counties were excluded from this study.
  • Our ranking of the Most (& Least) Affected Counties by Hurricanes is based on FEMA’s Hurricane Risk Score, the number of hurricane landfalls over the past 10 years, and projected annual losses from hurricanes per county. “Most affected” counties are those with the highest potential for hurricane-related damage, including wind, rain, flooding, and storm surge, not necessarily those that have experienced direct hits. This story has been updated to correct a data error discovered after initial publication

Sources: Federal Emergency Management Agency, National Oceanic and Atmospheric Administration, and Environmental Protection Agency

Hurricane Yard Protection

In 2024, hurricanes were among the most damaging disasters in the U.S., with nearly $200 billion in property losses and widespread power outages. As storms grow more intense, your yard can be both a hazard zone and a first line of defense.

“Have a hurricane plan in place now,” advises Gregory S. Jenkins, Professor of Meteorology at Penn State. “Know where your valuables are kept, and keep phone contacts and important documents in a Ziplock bag in case of flooding.”

From fencing to fallen trees, hurricane winds can tear through outdoor spaces in minutes. With a few smart moves, you can reduce risks and protect your home’s exterior.

  • Walk your yard early in hurricane season to identify hazards and create a prep checklist.
  • Secure or store patio items like furniture, grills, and décor before a storm.
  • Remove dead branches and trim trees regularly to minimize the risk of downed limbs and roof damage.
  • Use wind-resistant landscaping with deep-rooted native plants and ground covers.
  • Replace gravel mulch with bark or rubber mulch that won’t become flying debris.
  • Reinforce fencing or replace old posts to reduce collapse risk.
  • Clean gutters and keep drains clear to prevent yard flooding.
  • Clean up yard debris after a storm to prevent injuries and restore order.

With the 2025 hurricane season predicted to be especially active, prepping your yard now can limit damage and cleanup when the next storm hits.

Hire a local LawnStarter pro to mow your lawn, trim your trees, and for storm cleanup.

Media Resources

Quotes from LawnStarter Editor-in-Chief Jeff Herman

Main Photo Credit: WikiImages / Pixabay / Lice`nse

Kimberly Magerl

Kimberly Magerl is a writer and editor specializing in landscaping, gardening, lawn care, and pest control. She enjoys growing orchids, tending to fruits and vegetables in her garden, and cooking with her home-grown herbs.