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April 16.2025
3 Minutes Read

How to Prepare Your Home for Tornado and Hurricane Season 2025

Gutter overflowing with rainwater, storm preparation scene.

Understanding the Threat: Tornado and Hurricane Seasons

As we head into 2025, it’s crucial for homeowners, especially those in susceptible regions, to be fully aware of the upcoming tornado and hurricane seasons. Tornado season typically peaks in the spring, spanning April to June, with high activity in Tornado Alley—Texas, Oklahoma, Kansas, and Nebraska. Hurricanes, on the other hand, present a threat from June to November, particularly affecting coastal areas like Florida, Louisiana, and the Carolinas.

Preparing for these severe weather events involves understanding their characteristics and potential impacts. Both tornadoes and hurricanes can be devastating, but with proper preparation, homeowners can mitigate risks and safeguard their property and loved ones.

Essential Storm Preparation Steps

So, how can you prepare your house for the impending tornado or hurricane season? The answer lies in comprehensive and proactive planning. Here are key steps to consider:

1. Secure Your Home’s Exterior

Before storms hit, secure all loose items outside your home. This includes patio furniture, decorations, and any other movable objects. Consider investing in storm shutters, reinforcing garage doors, and checking the roof for any potential weaknesses.

2. Create an Emergency Supply Kit

Your emergency kit should be stocked with essential supplies, including water, non-perishable food, a flashlight, a first aid kit, batteries, and important documents. Preparing this kit ahead of time ensures you are not scrambling last minute as storms approach.

3. Create a Storm Preparation Checklist

A checklist can keep you organized and ensure you do not overlook any critical preparations. Include tasks such as reviewing insurance policies, gathering important documentation, and planning evacuation routes in case disaster strikes.

During a Storm: Responding with Care

Understanding actions to take during a storm can make all the difference. For instance, during a tornado, seek shelter in a basement or interior room away from windows. Conversely, if you’re facing a hurricane, remain indoors and avoid unnecessary travel until the storm has passed.

Additionally, know what not to do. For example, never stay in a car during a tornado, and avoid using candles during a hurricane due to the risk of fire.

The Importance of Post-Storm Actions

Once the storm has subsided, the focus should shift to safety and recovery. Document damages for insurance claims and stay updated on local advisories before you begin cleanup efforts. Remember, safety should always be your priority.

Empowering Yourself During Storm Preparation

Homeowners must understand how to navigate the challenges that severe weather brings. Knowledge is power, and cultivating a culture of preparedness can significantly minimize risk. As the saying goes, “Storms don’t wait for readiness,” so take proactive measures now to ensure familiarity with what to do.

Conclusion: Take Action Today

As 2025 draws near, the urgency of storm preparation cannot be overstated. Equip your home, gather your supplies, and strategize your response plans. By taking steps now, you are not just preparing for a storm; you are cultivating a safer, more resilient lifestyle for yourself and your family. Ready to learn more and get started? Explore local resources and community workshops focused on disaster preparedness.

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12.11.2025

Homebuyer Demand Strongly Surges as Mortgage Rates Stabilize Near 2025 Lows

Update Homebuyer Demand Remains Resilient Amid Mortgage Rate Stabilization In an encouraging trend for the housing market, homebuyer demand remains high as mortgage rates stabilize near 2025 lows. Recent data from the Mortgage Bankers Association (MBA) confirms that purchase loan applications surged by 19% year-over-year, indicating the persistence of buyer interest even amidst slight weekly declines. According to MBA Deputy Chief Economist Joel Kan, the recent uptick in FHA purchase applications—growing by 5%—reflects a continuing appeal for loans with lower down payments, providing a glimmer of hope for those looking to enter the housing market. Understanding the Market Shifts Last week, the MBA’s seasonally adjusted purchase loan index hit its second-highest level of the year. While there was a 2% decline in purchase loans from the previous week, the yearly comparison showcases a vibrant market robust with possibilities. Kan remarks that broader housing inventory and gradual improvements in affordability are fostering this environment, allowing prospective buyers to explore options despite the challenges posed by fluctuating rates. The Rising Refinance Applications: A Sign of Opportunity Interestingly, the demand for refinancing is also witnessing a significant rise. Last week alone, refinance applications increased by a substantial 14%, with an impressive 88% growth compared to the prior year. Government refinance products, particularly FHA loans, demonstrate a 24% spike as lower rates entice current homeowners to take action. This highlights the critical role that government loans are playing in providing much-needed affordability and access to savings. Forecasting Future Trends in Mortgage Rates With mortgage rates currently hovering between 6.12% and 6.25%, borrowers remain hopeful as projections for the upcoming years emerge. Fannie Mae anticipates sub-6% rates by the end of 2026, while the MBA's outlook estimates an average rate of around 6.4% next year. However, economic uncertainties loom as the Federal Reserve continues to navigate between inflation and unemployment concerns, aiming to find a balance that will not drive rates back to previous highs. Relevance of the Current Trends to Local Buyers The ongoing demand for adopting FHA loans and refinances highlights a significant trend that can benefit local communities, especially first-time buyers looking to establish their roots. As the affordability crisis persists and housing prices fluctuate, understanding these mortgage dynamics empowers individuals to make informed decisions. By blending personal stories and experiences, communities can rally together, fostering a supportive environment that champions homeownership. Take Action: Seizing the Moment For potential homebuyers and homeowners alike, now might be the perfect time to explore refinancing options or take the step towards purchasing a new home. With current mortgage rates stabilizing and various government programs available, securing a financially sound deal is within reach. Engaging with local lenders and assessing your options could lead to significant savings and opportunities.

12.10.2025

Navigating the Future of Flood Insurance: NFIP's Upcoming Expiration Explained

Update The National Flood Insurance Program Faces Another Expiration The National Flood Insurance Program (NFIP), which offers crucial coverage for over 4.6 million homeowners, is set to expire once again on January 30, 2026, following a 43-day lapse that occurred earlier this year. This lapse not only shook stakeholders' faith in the NFIP but also raised significant concerns about the stability of the real estate market across the country, most notably in states like Florida, where many home sales depend on this program. The Stakeholder Push for Reform As the impending expiration date approaches, industry groups are rallying support for a long-term reauthorization. They are advocating for practical reforms aimed at modernizing the program, including updating FEMA flood maps to reflect current environmental conditions and expanding public-private partnerships in flood insurance. With housing markets heavily tied to reliable flood coverage, the pressure for change is mounting amidst fears that reliance on short-term legislation can lead to ongoing instability. Impacts on Home Sales and Market Stability A recent Congressional Research Service report indicates that approximately 41,300 home sales occur each month that are contingent upon the NFIP. The previous lapse is believed to have negatively affected housing transactions, especially in high-risk areas like Florida. It raises a crucial question: how can communities secure their housing markets against future lapses? The NFIP would need not just temporary funding but a robust renewal that incorporates modern risk management technologies and a comprehensive overview of flood risks exacerbated by climate change. Understanding the Long-Term Implications Amid partisan battles surrounding government budgeting, the NFIP has been temporarily reauthorized 34 times since 2017. This rollercoaster of renewals suggests that short-term strategies limit the opportunity for meaningful reform. Bipartisan efforts are essential for addressing the root issues, including outdated mapping practices and a historical reliance on taxpayer funding for homes built in flood-prone zones. Gathering support from diverse stakeholders—from homeowners to lending institutions—is critical. Next Steps for Homeowners and Real Estate Professionals For homeowners and real estate professionals, staying informed is paramount. As the deadline approaches, prospective buyers in flood zones should prepare for potential lapses by researching private flood insurance options and understanding how existing NFIP policies may transition during a hiatus. Regularly speaking with lenders about their policies during lapses can help manage risk effectively. The collective responsibility to engage Congress and advocate for sensible policy changes falls not just on industry groups but also on consumers. As the issue becomes more pressing, grassroots efforts and community involvement can play a significant role in shaping future NFIP reforms. In conclusion, with the NFIP's repeated lapses highlighting the instability in flood insurance coverage, now is the time for legislators and constituents alike to push for a long-term, well-planned solution.

12.10.2025

Discover How a 2-1 Buydown Can Make Homeownership Affordable

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