Texas weather can go from calm to catastrophic with little warning. In 2025, the storm season is expected to be more active than usual, with increased risks of tornadoes, damaging hail, and strong hurricanes. Preparation isn’t about fear—it’s about taking action before conditions worsen.
Both homeowners and vehicle owners across the state can benefit from a clearer look at what’s ahead and how to protect what matters.
Forecasts suggest 2025 may bring fewer named storms than last year—but don’t mistake that for a mild season. According to early reports from WeatherBell Analytics, Texans could still see up to 19 named storms, 9 hurricanes, and as many as 3 major hurricanes forming in the Atlantic basin. While sea surface temperatures are cooler in some regions, warmer waters closer to the U.S. coastline could fuel sudden development.
Here’s a snapshot of what meteorologists are projecting:
| Storm Category | Forecasted Range for 2025 |
|---|---|
| Named Storms | 15 to 19 |
| Hurricanes | 7 to 9 |
| Major Hurricanes (Cat 3+) | 2 to 3 |
These numbers align closely with recent history—according to our article about the hurricane season in 2025, there were 18 named storms in 2024, 11 of which intensified into hurricanes. The state endured everything from a destructive derecho in May to widespread outages caused by Hurricane Beryl just two months later. Even non-landfall events, like Tropical Storm Alberto, created regional strain and prompted emergency preparations.
Inland communities saw freezing conditions during early 2025, highlighting the unpredictable nature of Texas weather. But as summer approaches, the spotlight shifts to wind, hail, and hurricane risks—especially along the Gulf Coast. Residents near these zones should review their policies for windstorm exclusions and consider dedicated coverage ahead of time.
Preparation starts with being informed.
Those looking to save money while improving protection should take a look at our tips for getting windstorm insurance discounts before hurricane season. Whether forecasts call for 10 or 20 storms, it only takes one direct hit to upend everything. Early planning still matters.
Tornadoes and hurricanes have one thing in common—they expose weak points in your home. Before storm season peaks, every homeowner should assess their property for potential vulnerabilities.
Start with your roof. Loose shingles, poor flashing, and existing leaks increase the chance of major damage during high winds or hailstorms. The importance of roof inspections outlines steps to take before calling a professional. The earlier you schedule repairs, the more likely you’ll be covered before the first major storm rolls through.
Next, walk around your property and check:
Add sandbags in areas prone to water pooling, especially near patios and exterior walls. Backup power sources, like generators, are worth considering if outages are frequent in your area.
Vehicles face a unique set of risks during Texas storm season. Wind-borne debris and golf ball-sized hail can dent panels, shatter glass, or even total a car left exposed.
Here’s how to protect your ride:
A basic policy might leave gaps you can’t afford to discover after a storm. Reviewing your coverage each year helps you stay ahead of risks—especially in a state where hail, flooding, and wind damage are regular threats.
Use the table below to reassess whether your current protections line up with the weather patterns Texans may face in 2025:
| Coverage Type | Why It Matters During Storms |
| Windstorm Insurance | Covers damage caused by hurricane-force winds. In many areas, a separate policy is required. Wondering about current rates? Our article on how much windstorm insurance costs in Texas in 2025 breaks it down. |
| Flood Insurance | Regular homeowners insurance doesn’t include flood damage. FEMA-backed policies or private flood insurance can fill this gap. |
| Comprehensive Auto Insurance | Covers hail, flood, tree limbs, and other damage unrelated to accidents. |
| Personal Property | Replaced belongings inside your home—electronics, furniture, and more—if destroyed in a covered storm. |
| Landlord Insurance | If you rent out properties, take time to review your coverage for roof and siding damage from wind or hail. Our blog explores whether landlord insurance covers wind and hail damage to rental properties so you know what to expect before a storm hits. |
Storm-related claims often spike during and after hurricanes. Preparing your coverage ahead of time helps avoid delays and confusion during the claims process.
Discounts might not be the first thing on your mind during storm prep—but they’re worth a look. Insurance carriers frequently offer savings for homes and vehicles that are better equipped to withstand storm damage.
Qualifying upgrades include:
If you haven’t explored it yet, we’ve put together a dedicated guide on securing windstorm insurance discounts before hurricane season. Acting early on upgrades may help reduce your premiums, and it’s also a good opportunity to ask about bundling your home and auto policies for better rates.
With the season heating up, small actions still make a difference. Here’s a shortlist of final steps that can help protect both home and auto:
These may seem like minor preparations, but together, they reduce stress and strengthen your response if storms strike.
Storms don’t wait. Once they’re on the radar, it’s too late to rethink coverage or fix vulnerabilities. Texas homeowners and drivers who prepare early avoid unnecessary risks—and expenses—later.
If you’re unsure where your policy stands, Richey Insurance Agency is ready to help. From reviewing your options to explaining what’s missing, our team simplifies the process so you don’t have to figure it out in the middle of a crisis.
