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Disasters
Hurricanes, wildfires and storms that hit homeowners: which states, what regulators ordered, claim deadlines, and what to do now - with each event's news.
Cottonwood Fire and Floods (2026) Utah's Cottonwood Fire burned nearly 100,000 acres; July burn-scar floods hit 200+ homes. DR-4948 funds public repairs only. Fire is covered, flood is not. Hurricane Helene (2024) Helene hit Florida's Big Bend as a Category 4 in Sept. 2024, then flooded the Appalachians. About $17.5 billion insured (Aon); most inland flood was uninsured. Hurricane Isaias (2026) Isaias struck near Destin, Florida, on Oct. 9, 2026 at 105 mph. Hurricane deductibles apply, FEMA aid is limited, and Florida's 1-year claim clock runs. Hurricane Milton (2024) Milton hit Siesta Key, Florida, as a Category 3 on Oct. 9, 2024: 385,146 Florida claims, $20 billion insured (Aon). Notice windows closed; suits run 5 years. Los Angeles Wildfires (January 2025) The Palisades and Eaton fires caused about $40 billion in insured losses. The moratorium has ended; California's 24-month suit limit runs to January 2027. Oregon Wildfires (2026) Oregon's 2026 fires brought a state insurance emergency order: no cancellations, a premium grace period and extended claim deadlines through Oct. 29, 2026. Winter Storm Fern (2026) January 2026 ice, snow and record cold: about $3.5 billion insured (Aon), FEMA major disasters in five states, and suit deadlines still running.