OIR Hurricane Milton Information

 
Hurricane Milton
OIR is closely monitoring Hurricane Milton and its impacts to Florida's insurance industry. This page provides information regarding OIR's Hurricane Milton response and recovery efforts and additional resources for impacted policyholders and insurers.
Governor DeSantis declared a State of Emergency for 51 counties in Florida for Hurricane Milton. Executive Order 24-215 is available here. The Florida Division of Emergency Management's disaster information page for Hurricane Milton is available here.
In coordination with the Florida Department of Health, OIR has distributed a notice to all health insurers, managed care organizations, and other health entities, reminding them they must comply with with provisions of  section 252.358, Florida Statutes, which allows for early prescription refills in the event the Governor issues an Executive Order declaring a State of Emergency. This mandate remains in effect until the Governor’s Executive Order is rescinded or expires.

More information on early prescription refills is available here.

Following Governor DeSantis' Emergency Order 24-215, and and pursuant to sections 252.63(1) and 627.4133(2)(d)1., Florida Statutes, the Florida Office of Insurance Regulation issued Emergency Order 400473-24 for Hurricane Milton.

On September 24, OIR issued an Notice to Industry to all authorized residential property insurers to provide guidance on hurricane preparedness and claims handling. Insurers were directed to review all aspects of their disaster preparedness and response plans to ensure they are in compliance with Florida law.

The Notice to Industry is available here. Additional information regarding consumer protection legislation signed by Governor DeSantis to support Florida policyholders when disaster strikes is available here.

OIR instituted a data call for the purpose of collecting catastrophe claims data related to Hurricane Milton. Information regarding catastrophe claims data for Hurricane Milton will be made available on this page. Recent claims reporting notices and other resources are available below:

OIR captures data in its efforts to evaluate catastrophe claims and compels all insurers to report data as of each required reporting date, per section 624.307, Florida Statutes. This aggregate information is compiled from claims data filed by insurers. It has not been audited or independently verified. Companies were required to begin submitting data on October 10, 2024. Additional data calls may be conducted. Data for previous storms is available on the Catastrophe Claims Data and Reporting page here.

OIR encourages consumers who are having issues with a claim to report it. Click here to report an issue with a claim.

Total Estimated Insured Losses: $5,615,415,911

OIR requires insurers report estimated and paid losses. Estimated or case incurred losses include indemnity case reserves and payments to date.

The data presented represents the current status of each claim as it is reported to OIR. These numbers in each category are fluid and will fluctuate over time as claims move through the insurers' claims-handling process.

Data provided is as of December 9, 2025

 Residential PropertyHomeownersDwellingMobile HomeownersCommercial ResidentialCommercial PropertyPrivate Flood
Business Interruption
Commercial Auto
Private PassengerTOTALS
Number of Claims304,408242,71930,46627,4563,7,6723,9012,0464661,38843,397385,146
Open Claims With Payment8,9447,4179582693007,339889206316,572
Open Claims Without Payment8,6727,2111,1301202115,2026823426214,403
Claims Closed With Payment

172,135

132,24616,45121,5911,8474,1541,38632099434,326219,994
Claims Closed Without Payment114,65795,84511,9275,4761,4097,2065041143328,946134,177
Percent of Claims Closed94.2%94.0%93.1%98.6%86.4%47.5%92.4%93.1%95.5%99.7%92.0%
Total Incurred Loss$4,037,291,278$2952,063,513$519,392,651$336,321,062$229,514,052$1,028,401,242$94,573,959$16,733,004--$5,615,415,911

 


*Other Lines of Business may include Fire, Farmowners’ Multi-Peril, Ocean Marine, Inland Marine, Aircraft, Glass, Boiler and Machinery, Industrial Fire, Industrial Extended Coverage, and Multi-Peril Crop.

 

Claims Closed Without Payment

The OIR audits and examines insurer claims payments following every catastrophe to ensure claims are properly handled in compliance with Florida law and the terms of the policy.

 Homeowners DwellingMobile HomeownersCommercial Residential Commercial PropertyPrivate FloodBusiness InterruptionAll Other Lines of BusinessTOTALS

Claims Closed without Payment Due to Denial of Coverage (Flood)

3,719471382477686645415,998
Claims Closed without Payment Due to Damage Below Deductible 39,2165,4721,5066442,701129161,94151,625
Claims Closed Without Payment Due to Fraud18000

73

1095187
Claims Closed Without Payment for Administrative Reasons32,0071,9751,2883862,024222826,76644,750
Claims Closed Without Payment Due to Inquiry Only691918722343721,0262,161
Claims Closed Without Payment  (Withdrawn by Insured)15,7321,3258581561,13615492,21821,588
Claims Closed Without Payment Due to Duplicate Claim or Opened in Error3,7743523009119215127515,487
Claims Closed Without Payment Due to Incorrect Date of Loss501210230674
Claims Closed Without Payment Due to Lack of Communication or Cooperation by Insured 11,7602061205746013592,76515,440

Data as of December 9, 2025.

*Other Lines of Business may include Commercial Auto, Private Passenger Auto, Fire, Farmowners' Multi-Peril, Ocean Marine, Inland marine, Aircraft, Glas, Boiler and Machinery, Industrial Fire, Industrial Extended Coverage, and Multi-Peril Crop

Claims Data by County for Top 20 Counties

CountyNumber of Claims ReportedNumber of Open Claims with PaymentNumber of Open Claims without PaymentNumber of Claims Closed with PaymentNumber of Claims Closed without Payment **Percent of Claims Closed
Hillsborough7485143383079415632587190.1%
Pinellas5584819001120326752015394.6%
Manatee3853518681011254421021492.5%
Sarasota3178695384720552943494.3%
Polk2420388272314362823693.4%
Pasco2057387866211473759692.5%
Volusia174825934109676680394.3%
Lake138756274877259550292.0%
Orange1502484111156451661787.0%
Lee122233054386713476793.9%
Charlotte99311822035831371596.1%
Osceola80915346444045286885.4%
Saint Lucie73403633814395220189.9%
Brevard60431562253309235393.7%
Hernando47682162582476181890.1%
Seminole44781873831859204987.3%
Indian River41891081382805113894.1%
Palm Beach45592684512467137384.2%
Sumter364292732137134095.5%
Flagler284180891468120494.1%
All Other Counties

12793

73611276327460385.4%
TOTALS385146165721440321999413417792.0%

Data as of December 9, 2025

** A closed claim without payment is a claim deemed not currently payable by the reporting insurer. The most common reasons for a closed claim without payment is not meeting the deductible, or being a claim for flood damage which is not generally covered under a homeowner’s insurance policy. Other reasons include, but are not limited to, the consumer withdrawing the claim or the insured not being reachable to adjudicate the claim. The OIR audits and examines insurer claims payments following every catastrophe to ensure claims are properly handled in compliance with Florida law and the terms of the policy.