NOAA predicts a quiet Atlantic hurricane season but an above-average Pacific season due to a strong El Niño. Standard homeowners insurance doesn't cover flood damage; separate flood insurance is needed. Coastal homeowners may face high hurricane deductibles, often a percentage of home value, leading to significant out-of-pocket costs. Flood insurance has a 30-day waiting period. Homeowners should review policies, consider deductible buydowns, and document home conditions to prepare.
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