The 2026 Atlantic hurricane season officially runs from June 1 through November 30, 2026, with peak activity typically occurring from mid-August through mid-October.
According to Tropical Storm Risk (TSR)'s extended-range forecast issued in December 2025, the 2026 season is projected to be near-normal, with approximately:
- 14 named storms
- 7 hurricanes
- 3 major hurricanes (Category 3+)
- Accumulated Cyclone Energy (ACE) index near 125
Seasonal forecasts can shift as ocean temperatures and atmospheric patterns evolve, and the National Hurricane Center typically releases updated outlooks in late spring. Regardless of projections, South Florida homeowners should prepare based on structural reality, not forecast optimism.
In High-Velocity Hurricane Zone (HVHZ) counties, preparation is not optional. It is structural risk management.
Understanding Your Risk: HVHZ and Current Code Standards
Miami-Dade and Broward counties fall under the strictest wind regulations in the United States as part of the High-Velocity Hurricane Zone.
Homeowners currently operate under the 8th Edition (2023) Florida Building Code, which incorporates ASCE 7-22 wind load provisions. The 9th Edition of the Florida Building Code will take effect December 31, 2026, following statutory adoption timelines.
For most residential structures (Risk Category II):
- Ultimate design wind speeds (Vult, 3-second gust) typically range from 170 to 195+ mph
- Coastal Miami-Dade commonly falls between 175–195 mph
- Broward typically ranges from 170–180 mph
These are survivable design loads intended to prevent catastrophic structural failure when the building envelope remains intact.
Wind speed values vary by location and risk category. Homeowners can verify site-specific data using the ASCE Hazard Tool or consult local building officials.
Why South Florida Homes Actually Fail During Hurricanes
Catastrophic damage is rarely caused by wind alone. It begins when the building envelope fails.
Common structural failure points include:
- Non-impact windows or improperly installed shutters
- Garage door collapse leading to internal pressurization
- Roof covering uplift due to aged fasteners or underlayment
- Improperly secured roof tiles
- Clogged drainage causing water intrusion
- Unsecured exterior elements becoming windborne debris
When a garage door or window fails, internal pressure increases dramatically. This amplifies uplift forces on the roof system and can result in partial or total roof failure.
In many cases, homes do not fail because wind speeds exceeded code. They fail because components were outdated, improperly installed, or poorly maintained.
Compliance is not theoretical. It directly affects survivability.
Essential Home Hardening Checklist
Preparation must occur before a storm forms in the Atlantic.
1. Inspect the Building Envelope
- Confirm all windows and sliding glass doors are impact-rated (TAS 201/202/203 or ASTM E1886/E1996), or verify operational shutters are deployable and compliant
- Check exterior door seals and thresholds
- Verify hurricane-rated products carry valid Miami-Dade Notice of Acceptance (NOA) or Florida Product Approval
- Inspect attachment systems, not just the glass
2. Reinforce Garage Doors
Garage door failure remains one of the leading causes of structural compromise in South Florida.
- Ensure the door is wind-rated for HVHZ
- Install approved bracing systems if necessary
- Inspect tracks and anchor points
3. Roof System and Drainage Maintenance
- Remove debris from gutters, scuppers, and downspouts
- Inspect flashing, ridge caps, and tile fastening
- Verify roof penetrations are sealed
- Schedule professional evaluation for aging roofs
Localized water intrusion during heavy rain often causes more damage than wind itself.
4. Landscaping and Exterior Risk Reduction
- Trim trees away from the structure
- Remove weak or dead limbs
- Secure outdoor furniture and loose equipment
- Evaluate fencing and gates
Windborne debris significantly increases envelope breach risk.
If Your Home Is Vacant During Hurricane Season
Many South Florida properties remain unoccupied for extended periods. Seasonal residents and second-home owners face elevated risk due to delayed response.
After a storm:
- Water intrusion may go unnoticed
- Mold growth can begin within 48–72 hours
- Minor roof breaches can expand rapidly
- Insurance documentation may be delayed
Vacant properties require proactive monitoring, rapid inspection, and documented condition reporting.
Early intervention prevents secondary damage escalation.
The 2026 Hurricane Survival Kit: Beyond the Basics
Preparedness is not limited to structural hardening. Power loss and service interruptions may last days or weeks. Prepare for at least two weeks of self-sufficiency.
Water and Food
- Minimum 1 gallon of water per person or pet per day
- Non-perishable, high-calorie foods
- Manual can opener
Power and Connectivity
- Solar power banks or professionally installed generators
- Carbon monoxide-safe generator setup
- NOAA weather radio
- Battery backups for routers and communication devices
Test systems monthly during season.
Documentation
Maintain waterproof and digital copies of:
- Insurance policies
- Property deeds
- Photo inventory of property condition
- Medical records
- Identification
Cloud backups significantly reduce post-storm claim delays.
Cash Reserve
Maintain $500–$1,000 in small denominations. Electronic systems often fail after major storms.
Post-Storm Action Plan
After local authorities issue an "All Clear":
- Document all damage before cleanup
- Photograph undamaged areas for context
- Contact your insurer promptly
- Avoid unsolicited contractors
- Work only with licensed and insured professionals familiar with HVHZ compliance and permitting requirements
Be alert for:
- Downed power lines
- Structural instability
- Mold development
- Floodwater contamination
Improper post-storm repairs can trigger code violations or insurance complications.
The 50% Rule Explained
If storm damage repairs exceed 50% of the structure's replacement value (excluding land), the entire building must be brought into compliance with the current Florida Building Code.
This includes wind and flood upgrades where applicable.
The 50% Rule integrates FEMA/NFIP floodplain standards with local building enforcement and can significantly increase repair costs if not anticipated.
Proactive compliance reduces the likelihood of triggering full reconstruction upgrades.
Professional Hurricane Readiness & Compliance Review
High-value South Florida properties require proactive structural stewardship, not reactive repairs.
A professional hurricane readiness assessment can:
- Verify impact protection and NOA compliance
- Identify garage door and roof vulnerabilities
- Review drainage and exterior exposure
- Establish documented baseline condition
- Reduce insurance exposure and claim friction
For vacant homes, structured monitoring and post-storm inspection protocols provide an added layer of risk control.
If you would like an independent evaluation of your property's HVHZ compliance and hurricane readiness strategy before peak season, schedule a confidential consultation with Pavel for a tailored preparedness plan.
Early preparation is significantly less expensive than post-storm reconstruction.
Key Takeaways
- 2026 Hurricane Season: June 1 – November 30
- Peak Risk: Mid-August through Mid-October
- HVHZ homes must withstand 170–195+ mph design loads
- Building envelope integrity determines survivability
- Garage door and roof failures are leading structural triggers
- Vacant homes face elevated post-storm risk
- Documentation and early inspection are critical
Preparation is not seasonal panic. It is structured risk management in one of the most wind-exposed residential markets in the United States.