Hurricane Frances — Stuart / Hutchinson Island FL, September 2004

Total Insured Loss

$5.53B

Wind + Surge — 1,926,703 buildings modeled

🌪 Wind Loss

$5.47B

1,636,896 buildings affected · peak 100 mph

BM: $3.80B (+44.1%) — Swiss Re Sigma 2004: Frances US total in

🌊 Surge Loss

$50.4M

4,288 buildings inundated · peak WSE 5.7 ft

BM: $100.0M (-49.6%) — insured fraction pending

Storm Summary

CategoryCat 2

Max wind90 kt

Min pressure960 mb

Peak model wind100 mph

Surge WSE peak5.7 ft

Peak depth at FFE6.1 ft

VE zone buildings1,770

VE open / enclosed1,413 / 357

View Mode

Wind

Surge

Combined

Legend

None (<1%)

Minor (1–10%)

Moderate (10–30%)

Severe (30–70%)

Destruction (>70%)

Layers

Storm Track Buildings

Pipeline Stages

S1 — Track

HURDAT2 AL092022 — 39 pts

S2 — Holland B Wind Field

1,926,703 FL buildings

S2s — Surge Field

Irish et al. parametric WSE · FM 5.7 ft ({peak_wse-14.1:+.1f} ft vs 14.1 ft obs)

S3 — HAZUS Wind Fragility

By construction class

S3s — HAZUS Surge Curves

VE open/enclosed + AE · enclosure_class from SI

S4 — Loss Aggregation

Wind $5.47B · Surge $50.4M

S5 — Viewer Deploy

PMTiles · Cloudflare Pages

Wind: Holland B parametric field. Surge: Irish et al. (2008) parametric WSE. Peak 1×Rmax right of track. HAZUS Ch. 7 depth-damage curves by enclosure class (Phase 6 SI). Combined = max(wind DR, surge DR).

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Hurricane Frances — Stuart / Hutchinson Island FL, September 2004 — Wind & Surge Damage