Hurricane Debby caused $90 mn in insured losses, according to an initial estimate from insurers to the Florida Office of Insurance Regulation, according to BestWire.
Florida was impacted by Hurricane Debby on Sunday August 4th and Monday August 5th, with sustained winds of 80 mph that swept across the Big Bend damaging power lines, trees, homes, and businesses.
The Florida Department of Children and Families has transitioned into response and recovery and is utilizing supports to ensure that Florida families have every available resource at their disposal.
Gallagher Re noted that water-related damage would likely account for most of the $1 bn to $2 bn in total U.S. insured losses. They described Debby as a manageable event for the reinsurance market.
In contrast, last year’s Category 3 Hurricane Idalia resulted in $1.4 bn in insured U.S. losses, according to Gallagher Re.

KCC estimates privately insured losses from Hurricane Debby in the US to reach approximately $1.4 bn, based on the high-resolution KCC US Hurricane Reference Model.
Wind damage accounts for $845 mn, storm surge for $130 mn, and inland flooding for $440 mn.
This estimate covers privately insured damage to residential, commercial, and industrial properties, automobiles, and business interruptions. It excludes boats, offshore properties, and NFIP losses.
Debby made landfall as a Category 1 storm in Florida’s Big Bend region on Aug. 5, with maximum winds of 80 mph.
Winds were less severe than expected. However, storm surge and extensive inland flooding caused significant damage as the slow-moving storm progressed.
On Aug. 8, Debby made a second U.S. landfall in Charleston County, South Carolina, as a tropical storm with 50 mph winds.
Hurricane Debby Highlights
- Hurricane Debby made two landfalls: first on August 5 as a Category 1 hurricane with 80 mph winds in Florida’s Big Bend region, and again on August 8 as a tropical storm with 50 mph winds in South Carolina.
- The storm brought heavy rain to the eastern US, with the highest rainfall reaching 18.16 inches near Parrish, FL, and totals exceeding 14 inches in Georgia and the Carolinas.
- An upper-level ridge over the western US created weak upper-level winds, causing Debby to move slowly over the southeastern US. The lack of steering currents led to its erratic track off the coast of South Carolina.
- Debby was the third hurricane in the last decade to make landfall in Florida’s rarely impacted Big Bend region, following Hermine in 2016 and Idalia in 2023.
Hurricane Debby originated from a tropical wave west of the Antilles, becoming a tropical depression after crossing Cuba on August 3. It intensified into Tropical Storm Debby the same day in the Gulf of Mexico and later strengthened into a Category 1 hurricane on August 4.

State Farm processed around 2,300 home and auto claims through Aug. 8 across Florida, Georgia, South Carolina, North Carolina, and Virginia, with most claims coming from Florida and Georgia, according to spokesperson Michal Brower.
By Aug. 9, property and casualty insurers had reported 11,972 claims to the Florida Office of Insurance Regulation, with over 7,300 related to residential property.
In Florida, the second-largest number of claims came from other business lines, including fire, ocean marine, private auto damage, and commercial property, among others.
Florida carriers reported 198 commercial property claims, 25 commercial residential claims, and three business interruption claims.
Aon, in its weekly catastrophe report, highlighted heavy rainfall from Florida to the Carolinas, leading to flash flooding and at least a dozen tornadoes that damaged numerous homes and businesses.
Aon initially estimated Debby’s insured losses to be in the hundreds of millions of dollars.