No Atlantic hurricanes yet. The season runs to Nov 30.

The Atlantic hurricane season passed its climatological peak in mid-September without a single hurricane forming, according to Scientific American. Reliable record-keeping has never shown a year like it. Forecasters credit the strong El Niño, which drives wind shear across the basin and pulls storms apart before they can organize.

A quiet year changes nothing about the policy you already hold. The season does not close until November 30, and late-season storms tend to spin up in the western Caribbean and the Gulf, which is the worst possible neighborhood for Florida and the Texas coast. Your hurricane deductible is still a percentage of your dwelling limit, typically 2%, 5%, or 10%, and Florida policies generally apply it once per calendar year rather than per storm. Rebuilding costs kept climbing through the quiet stretch too. A dwelling limit you set three years ago may not cover what your house would cost to rebuild today.

An independent agent can check your dwelling limit against current rebuild costs and show you what your hurricane deductible would actually cost you out of pocket.