Coastal areas in the U.S., particularly high-value metropolitan regions like Miami, Tampa, and Houston, face significant risks. A single major hurricane strike in these areas could result in insured losses exceeding $100 billion. Rising property values and reconstruction costs amplify the financial impact of storms. El Niño also increases the likelihood of flooding and landslides in southern states, adding to insurers' challenges. The evolving climate and concentrated coastal development mean even a quiet hurricane season can lead to severe economic losses.