{"id":88,"date":"2026-09-27T17:00:00","date_gmt":"2026-09-27T17:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/joeannsellshomes-ca\/2026\/09\/27\/what-a-strong-2026-el-nino-season-means-for-your-homeowners-insurance\/"},"modified":"2026-09-27T17:00:00","modified_gmt":"2026-09-27T17:00:00","slug":"what-a-strong-2026-el-nino-season-means-for-your-homeowners-insurance","status":"publish","type":"post","link":"https:\/\/www.joeannsellshomes.ca\/blog\/2026\/09\/27\/what-a-strong-2026-el-nino-season-means-for-your-homeowners-insurance\/","title":{"rendered":"What a Strong 2026 El Ni\u00f1o Season Means for Your Homeowners Insurance"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>NOAA predicts a quiet Atlantic hurricane season but an above-average Pacific season due to a strong El Ni\u00f1o. Standard homeowners insurance doesn&#039;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.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/www.usnews.com\/insurance\/homeowners-insurance\/el-nino-homeowners-insurance-impact\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>NOAA predicts a quiet Atlantic hurricane season but an above-average Pacific season due to a strong El Ni\u00f1o. Standard homeowners insurance doesn&#039;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. [&hellip;]<\/p>\n","protected":false},"author":189,"featured_media":180,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-88","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.joeannsellshomes.ca\/blog\/wp-json\/wp\/v2\/posts\/88","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.joeannsellshomes.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.joeannsellshomes.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.joeannsellshomes.ca\/blog\/wp-json\/wp\/v2\/users\/189"}],"replies":[{"embeddable":true,"href":"https:\/\/www.joeannsellshomes.ca\/blog\/wp-json\/wp\/v2\/comments?post=88"}],"version-history":[{"count":0,"href":"https:\/\/www.joeannsellshomes.ca\/blog\/wp-json\/wp\/v2\/posts\/88\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.joeannsellshomes.ca\/blog\/wp-json\/wp\/v2\/media\/180"}],"wp:attachment":[{"href":"https:\/\/www.joeannsellshomes.ca\/blog\/wp-json\/wp\/v2\/media?parent=88"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.joeannsellshomes.ca\/blog\/wp-json\/wp\/v2\/categories?post=88"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.joeannsellshomes.ca\/blog\/wp-json\/wp\/v2\/tags?post=88"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}