Wind & storms
Severe weather caused 27 separate billion-dollar disasters in the United States in 2024, according to the National Oceanic and Atmospheric Administration.
Together they killed at least 568 people and cost roughly $182 billion. Wind and storms are among the most common and most damaging natural hazards a household faces, and the risk does not end when the sky clears.
Wind and storms are the exposure that arrives fast and leaves a long tail. A single event can tear off a roof, flood a basement, and cut the power, and the mold, debris, and air problems that follow can affect a family for weeks or months after the storm has passed.
What counts as a wind and storm event?
A wide range of severe weather, including thunderstorms, hurricanes, tornadoes, derechos, and winter storms. NOAA classifies a thunderstorm as severe when it brings winds of 58 miles per hour or higher, hail at least one inch across, or a tornado. What they share is force strong enough to damage homes.
How much damage can a storm really cause inside my home?
More than most people expect. FEMA reports that just one inch of floodwater inside a home can cause about $25,000 in damage. Wind-driven rain soaks insulation and drywall, and once water or wind breaches the structure, the storm's damage moves indoors.
Why is carbon monoxide a danger after a storm?
Because power outages send people to portable generators, grills, and gas equipment, often too close to the home. Carbon monoxide has no color or smell, and the CDC reports poisoning cases spike after hurricanes and winter storms. Run generators outdoors only, and install detectors on every level.
How quickly does mold grow after a storm?
Fast. The EPA reports that mold begins to grow on wet surfaces within 24 to 48 hours. That is why drying out soaked materials right away matters so much, and why mold is one of the most common and lasting health hazards after a flood.
Who faces the greatest risk from wind and storms?
Older adults, people with disabilities or chronic illness, young children, low-income families, and people in mobile homes. The CDC found people over 60 made up nearly half the deaths in Hurricane Katrina, and NOAA data shows manufactured housing accounts for a large share of tornado deaths.
Is it safe to walk or drive through floodwater?
No. The National Weather Service notes most flood deaths happen in vehicles, and just 12 inches of moving water can carry away a small car. Floodwater on foot can hide sharp debris, live power lines, and sewage or chemical contamination. Stay out of it entirely.
Does my homeowner's insurance cover flood damage?
Usually not. Standard homeowner policies do not cover flooding, and FEMA notes flood damage is the most common and costly disaster in the United States. A separate flood insurance policy, often through the National Flood Insurance Program, is what covers it, and it typically takes 30 days to take effect.
What should I do first after a storm?
Stay out of floodwater and away from downed power lines, and check for structural damage before re-entering a home. Dry wet materials within 24 to 48 hours to stop mold, wear gloves and an N95 mask during cleanup, throw out porous items soaked by floodwater, and follow any boil-water advisory until officials lift it.
What wind and storm events are
Wind and storm events cover a wide range of weather, and each type brings its own hazard. Thunderstorms are the most frequent. NOAA estimates about 100,000 thunderstorms hit the United States each year, and roughly 10% turn severe, meaning winds of 58 miles per hour or higher, hail of at least one inch, or a tornado.
The larger systems do the widest damage. Hurricanes and tropical storms drive high winds, storm surge, and heavy rain across entire regions. Tornadoes concentrate the most violent winds on Earth into a narrow path, with the strongest exceeding 200 miles per hour. Derechos are fast-moving lines of storms that spread hurricane-force wind over hundreds of miles inland. Winter storms add ice and snow load that snaps trees and power lines. What ties them together is force: moving air and water strong enough to break the structures people shelter in.
A storm changes the outdoor environment in minutes. High wind lifts and throws debris, downs trees, and tears siding, shingles, and gutters loose. Heavy rain saturates the ground and overwhelms drainage, and storm surge or flash flooding pushes water into places it does not belong.
The damage does not stay outside. Once wind breaches a roof or a window, or water enters through a foundation, the storm moves indoors. FEMA reports that just one inch of floodwater inside a home can cause about $25,000 in damage. Wind-driven rain soaks insulation and drywall, floodwater contaminates floors and walls, and a power outage shuts down the heating, cooling, and ventilation that keep indoor air healthy. The house that felt like shelter becomes part of the exposure, holding moisture and contamination the storm delivered.
The direct injuries come first. The CDC reports that flying and falling debris causes many storm-related injuries and deaths, and downed power lines, broken glass, and unstable structures add more. Flooding drives its own toll. Most flood deaths happen in vehicles, the National Weather Service notes, when drivers enter water too deep to judge, and just 12 inches of moving water can carry away a small car.
The aftermath is often more dangerous than the storm. Carbon monoxide poisoning spikes after major storms, the CDC reports, when people run portable generators, grills, or gas equipment too close to the home during a power outage. Carbon monoxide has no color or smell, and it sends thousands to emergency rooms following hurricanes and winter storms each year. Cleanup adds injuries from chainsaws, sharp debris, and contaminated water, and heat or cold without working utilities raises the risk further.
What wind and storms do to mental and respiratory health
The health effects reach beyond cuts and broken bones. Surviving a major storm, losing a home, or facing a long recovery takes a documented mental toll. The Substance Abuse and Mental Health Services Administration reports that disaster survivors commonly experience anxiety, depression, and post-traumatic stress, and the strain can last long after the physical repairs are done. Children and people who lose housing or income carry the heaviest burden.
Breathing problems follow storms too. Floodwater and wind-driven rain leave moisture behind, and mold begins to grow within 24 to 48 hours on wet surfaces, the EPA reports. Mold spores trigger coughing, wheezing, and asthma attacks, and the effect hits hardest in people who already have lung conditions. Cleanup stirs up dust, and generators and debris fires add smoke to the air. For anyone with asthma or COPD, the days after a storm can be as hard on the lungs as the storm was on the house.
Who is most at risk
Some households face far greater danger from wind and storms than others, and the gap often follows where and how people live. Older adults are the most vulnerable group. The CDC found that people over 60 accounted for nearly half of the deaths in Hurricane Katrina, and older adults are more likely to depend on power for medical equipment and less able to evacuate quickly.
Others carry added risk for their own reasons. People with disabilities or chronic illness may rely on refrigerated medication or powered devices that fail in an outage. Young children face higher danger from carbon monoxide, contaminated water, and heat or cold when utilities go down. Low-income families often live in older or less storm-resistant housing, have fewer resources to evacuate or repair, and recover more slowly. People in mobile homes are especially exposed, since NOAA data shows manufactured housing accounts for a large share of tornado deaths despite housing a small share of the population.
How storm damage connects to other exposures
A storm rarely causes a single problem. It sets off a chain of them, and the damage connects to nearly every other environmental exposure in the home. Water is the link. Flooding and wind-driven rain leave moisture that feeds mold, and the EPA warns that mold from storm damage is one of the most common and lasting health hazards a family faces after a flood.
Debris and contamination widen the reach. Floodwater can carry sewage, chemicals, and fuel into a home, contaminating floors, soil, and anything porous it touches. Storms damage water systems too, and boil-water advisories often follow major flooding when treatment plants lose power or pipes break. Air quality suffers as generators, mold, and cleanup dust build up indoors. Downed trees and torn structures leave debris that holds lead paint, asbestos, and other hazards from older buildings. One storm can turn a healthy home into a source of mold, contaminated water, and poor air all at once, which is why recovery is about far more than repairing the roof.
What a household can do
Prepare before the season, because the steps that matter most take time to put in place. FEMA recommends building an emergency kit with water, food, medications, flashlights, and a battery or hand-crank radio to last at least three days, and signing up for local emergency alerts so a warning reaches you fast. Know your evacuation routes and where you will go, and keep copies of insurance and identification in a waterproof container.
Protect the home itself where you can. Trim trees near the house, clear gutters and drains so water flows away, and secure or bring in outdoor furniture before a storm. Consider flood insurance, since standard homeowner policies do not cover flooding and FEMA notes flood damage is the most common and costly disaster in the country. During an outage, run generators outdoors only, at least 20 feet from the home and away from windows, and install carbon monoxide detectors on every level. After a storm, stay out of floodwater, which can hide sharp debris, live wires, and contamination. Dry out wet materials within 24 to 48 hours to stop mold, throw away porous items soaked by floodwater, wear gloves and an N95 mask during cleanup, and follow any boil-water advisory until officials lift it.
Have questions about the environment inside your home?
Air quality, mold, EMF, light and water all shape how a house feels and how the people in it feel. Whatever your concern is, the first step is finding out what is there.
Our certified team of environmental professionals and advocates can help.