Updated November 3, 2026 · Local data: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates
Short answer: Before June 1: know your evacuation zone, photograph your home for insurance, trim trees, check your shutters or impact openings, service your generator, and keep your policy and wind mitigation report handy. After a storm, use licensed contractors and never sign over insurance benefits under pressure.
Before the season (by June 1)
- Look up your evacuation zone with Pinellas County Emergency Management.
- Photograph and video every room for insurance.
- Trim trees overhanging the roof.
- Test shutters, or upgrade to impact openings.
- Have a generator serviced and a transfer switch installed.
- Review flood coverage. NFIP policies usually have a 30-day waiting period.
When a storm is coming
- Secure outdoor furniture and close shutters.
- Shut off and secure the pool equipment.
- Seasonal owners: arrange a check-in service.
After the storm
- Document damage before cleanup.
- Use licensed contractors and read every agreement before signing.
- For water damage, dry out within 24–48 hours to limit mold.
- On barrier islands, ask about substantial-damage determinations before rebuilding.
Frequently asked questions
When is hurricane season in Florida?
June 1 through November 30.
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This guide is general information, not legal, tax, insurance or financial advice. Rules and rates change, so confirm details with a licensed professional.