2 MIN READ
Published 08/05/2025
As the 2025 hurricane season unfolds, it’s crucial to stay informed about evolving climate risks that affect communities and companies alike. Our recent climate forecast webinar highlighted four key takeaways to help you anticipate challenges and strengthen your risk management strategies throughout the season.
1. Expect an above-normal hurricane season with variable activity.
The 2025 hurricane season is projected to be more active than normal and may feature unpredictable changes in storm frequency.
- Several major hurricanes are forecasted.
- Periods of quiet can occur unexpectedly (e.g., mid-season lull in 2024).
- Continuous monitoring and risk tools like reinsurance and second event covers are essential to manage volatility.
2. Recognize the growing impact of severe convective storms and wildfires
Storms and wildfires are increasingly driving insurance losses due to rising exposure and climate-related factors.
- Thunderstorms, hail, tornadoes, and wildfires cause mounting damage.
- Inflation and potential hazard intensification contribute to higher losses.
- These perils have become primary drivers of industry losses, emphasizing their importance in risk management and insurance planning.
3. Invest in resiliency and infrastructure to mitigate compound and cascading risks.
Multiple hazards and infrastructure failures can amplify losses, requiring proactive resilience measures.
- Compound events (e.g., hurricanes followed by flooding or wildfires followed by mudslides) significantly increase risk.
- Failures in critical infrastructure like power grids exacerbate impacts.
- Strengthening buildings and community infrastructure reduces exposure across multiple hazards and supports long-term protection.
4. Partner with your insurer to access resources and prepare effectively.
Collaborating closely with your insurer is essential to understand and utilize the risk management resources they offer.
- At Liberty Mutual, our risk control team offers severe weather action plan guides to assist you in facing all types of natural and manmade disasters.
- Leveraging these resources enhances your ability to mitigate damage and recover after a loss.
- Open communication with your insurer helps ensure you stay informed about coverage options and best practices for risk reduction.
Effective risk management is a collaborative effort. We encourage you to engage proactively with your insurer and utilize available tools and guidance to strengthen your resilience throughout the 2025 hurricane season.
For more detailed insights and strategies, watch our webinar here.
Featured insights
This website is general in nature, and is provided as a courtesy to you. Information is accurate to the best of Liberty Mutual’s knowledge, but companies and individuals should not rely on it to prevent and mitigate all risks as an explanation of coverage or benefits under an insurance policy. Consult your professional advisor regarding your particular facts and circumstance. By citing external authorities or linking to other websites, Liberty Mutual is not endorsing them.
