New York homes are most exposed to hurricane risk, beating Miami

NEW YORK (BLOOMBERG) — More than 3 million New York metropolitan-area homes are vulnerable to hurricane winds, the most of any region in the country, according to a report from Cotality, a property analytics firm.

Roughly 3.27 million homes in the area face moderate or greater hurricane wind risk, representing nearly $1.93 trillion in reconstruction costs, according to Cotality’s 2026 hurricane risk report. Nearly 20% of those homes are also at risk of storm surge.

Houston and Miami rank second and third at risk, according to the number of homes that are exposed to hurricane wind. Those metro areas have about $824 billion and $616 billion in reconstruction-cost values, respectively…

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