I’m no insurance expert as the only place I’ve owned was part of a co-op, which operate by different rules. I thought homeowner’s insurance didn’t cover flooding though and I think most hurricane damage is flooding so this would make sense. Oklahoma sees a lot of disasters covered by it and Florida’s disasters aren’t, even if they are overall far more destructive.
I should note taking a look at the objective Advanced Dvorak data, it’s reading at T7.5/7.4, which equivalent to 155knots (180mph). So my 165mph might be too low.
K1052
Elite Member
- Aug 21, 2003
- 52,581
- 46,217
- 136
I've looked at a few sites and the states with the highest coverage costs vary depending on the methodology and the website. I've seen a few sites that say Southern Midwest is the most expensive for states in Tornado Alley. How those states are more expensive than Florida is beyond my understanding. A hurricane does way more damage than a Torando.
Average homeowners insurance rates by state in 2025
Oklahoma is the most expensive state for home insurance at $5,858; Hawaii is the cheapest at $631, with the U.S. average at $2,601. Compare home insurance rates by state.www.insurance.com
All in I think my mom is hovering in the 4K range now. Was like 800 when she lived in IL.
pete6032
Diamond Member
- Dec 3, 2010
- 8,128
- 3,572
- 136
A quick google search suggests that hurricanes are typically covered in Florida policies, though you are not required by law to purchase hurricane coverage.
Pens1566
Lifer
- Oct 11, 2005
- 13,718
- 11,325
- 136
To be fair, anywhere it hits directly is gonna be in the cone that has been published for days now. If you were/are in the cone and stayed ... eh ...
This most recent pass.
Flight level winds of 160kt is as high as any point yesterday.
SFMR at 177kt (two readings at that speed), tied highest reading from yesterday (though these today are suspect for some reason).
902mb extrapolated.
I think NHC will provide a special update and raise the wind speed accordingly.
ADT reads as T7.7/161kts.
Definitely support for at least 155kt/180mph. But we’ll see what NHC does.
Zorba
Lifer
- Oct 22, 1999
- 15,613
- 11,255
- 136
Every person taking their own personal car is such a stupid way to evacuate an area, but 'Merica.
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Hmmm.. well they lowered the pressure to 905mb. But no wind speed raise yet. Would’ve thought at least a small bump.
nakedfrog
No Lifer
- Apr 3, 2001
- 62,695
- 18,829
- 136
Maybe this is a good time to remind people that Project 2025 would break up the NOAA.
Thump553
Lifer
- Jun 2, 2000
- 12,839
- 2,625
- 136
I lived in the Midwest (Milwaukee) and New England. We probably lose power ten times as often in New England as the Midwest. The main reason is that nearly all of your power lines are buried where nearly all of ours are above ground. I went through some brutal ice storms in the ten years I was in Milwaukee and we only lost power once (two simultaneous skid out car accidents took out both the big green boxes (technical term) servicing our neighborhood. Damn rocky soil in New England.
Fortunately most of our power interruptions here are of the nuisance category-flicker off and on, or off for a couple of hours. Worse thing is I have well water so no power, no water, no toilets. That gets old fast. We do have a wood stove so can pretty long in the winter without power.
Michigan is just a shit show. The poles are old, the transformers are old as F, the lines are old, I'm not an expert, but how the lines are mounted to poles here looks much weaker than where we lived in Kansas. The two power companies here did hardly any tree trimming until a few years ago, it will take them years to catch up.
The state legislature and utility board are completely in the pocket of the power companies (both parties) so there is no accountability. For this shitty ass grid we get to pay some of the highest rates in the region. While companies do stock buy backs, pay large bonuses, and even ask for rate increases to cover corporate jet use.
Oh if your power is out for more than 5 days the companies have to compensate you.
It's a whole $25 bill credit.
In my opinion if a company is a managed monopoly and is failing to meet performance standards (which applies both Consumers and DTE), the investors in the company should be on the hook for getting the performance of the company back up to standards without asking for rate increases. Basically there is zero risk to investors in this state, they just keep asking for rate increases and delivering shit service while increasing profits.
The state legislature and utility board are completely in the pocket of the power companies (both parties) so there is no accountability. For this shitty ass grid we get to pay some of the highest rates in the region. While companies do stock buy backs, pay large bonuses, and even ask for rate increases to cover corporate jet use.
Oh if your power is out for more than 5 days the companies have to compensate you.
It's a whole $25 bill credit.
In my opinion if a company is a managed monopoly and is failing to meet performance standards (which applies both Consumers and DTE), the investors in the company should be on the hook for getting the performance of the company back up to standards without asking for rate increases. Basically there is zero risk to investors in this state, they just keep asking for rate increases and delivering shit service while increasing profits.
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Zorba
Lifer
- Oct 22, 1999
- 15,613
- 11,255
- 136
Oklahoma has hail all the time. And then insurance buys off roofs that have minimal damage driving up the rates for everyone. I mean we get a lot of large very damaging hail too, but some people just get a new roof every 5 years.I've looked at a few sites and the states with the highest coverage costs vary depending on the methodology and the website. I've seen a few sites that say Southern Midwest is the most expensive for states in Tornado Alley. How those states are more expensive than Florida is beyond my understanding. A hurricane does way more damage than a Torando.
Average homeowners insurance rates by state in 2025
Oklahoma is the most expensive state for home insurance at $5,858; Hawaii is the cheapest at $631, with the U.S. average at $2,601. Compare home insurance rates by state.
Well some not great news. Milton has improved its' strength. Pressure is down to 909-910mb from 915mb from the last recon sorties.
This leads to higher wind speeds at landfall. Not a good sign.
BoomerD
No Lifer
- Feb 26, 2006
- 66,239
- 14,660
- 146
Maybe...but you lot are in Tornado Alley. I've heard similar stuff from southerners and midwesterners about California.
"I could never live there...they have EARTHQUAKES!"
sdifox
No Lifer
- Sep 30, 2005
- 100,133
- 17,861
- 126
Way too loud when it hails. Better to just replace the roof than deal with the noise.
sdifox
No Lifer
- Sep 30, 2005
- 100,133
- 17,861
- 126
Insulation below metal roof would dampen the sound no? Also reduces thermal transfer making cooling cheaper. Hail storm don't last very long do they?
Lost_in_the_HTTP
Lifer
- Nov 17, 2019
- 13,295
- 7,875
- 136
sdifox
No Lifer
- Sep 30, 2005
- 100,133
- 17,861
- 126
Zorba
Lifer
- Oct 22, 1999
- 15,613
- 11,255
- 136
Probably, although my mom's metal patio cover has more dimples than a golf after last week's baseball sized hail.
I do think asphalt shingles are stupid in Oklahoma, but good luck changing that any time soon.
Zorba
Lifer
- Oct 22, 1999
- 15,613
- 11,255
- 136
Apparently you've never seen home owners deal with insurance then. There'd be one dent and they'd be demanding a new roof.
Back down to cat 4 as it enters a more hostile environment. It could weaken quite a bit prior to landfall, but that will not help with storm surge.
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sdifox
No Lifer
- Sep 30, 2005
- 100,133
- 17,861
- 126
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