The shift in hurricane impacts from primarily coastal wind damage to secondary hazards like inland flooding and tornadoes poses challenges for insurers and communities. Tropical systems can travel far inland, causing catastrophic rainfall and infrastructure damage in areas with lower flood preparedness. Insured natural catastrophe losses have exceeded $100 billion annually for five consecutive years, with secondary perils becoming major contributors. Hurricanes such as Milton and Debby in 2024 caused billions in damages due to tornadoes and flooding, highlighting the need for updated risk models. Even during quieter seasons, a single storm can lead to significant losses if secondary hazards are underestimated.