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Hurricane Season Prep: What Every Key West Homeowner Should Do in October

  • Writer: Krystal Thomas
    Krystal Thomas
  • Oct 15
  • 2 min read
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October in Key West isn’t just about Fantasy Fest and shoulder-season specials—it’s also the peak of hurricane season in the Florida Keys. While the official season runs from June through November, late September and October often bring the strongest storms. For homeowners in Monroe County, this month is all about staying prepared, protecting property, and making sure you’re storm-ready.


Here’s your October checklist to keep your Key West home safe.

1. Review Your Insurance Policies

  • Flood Insurance: Monroe County is almost entirely within FEMA’s flood zones, so flood coverage is crucial. Standard homeowners' insurance does not cover flood damage.

  • Windstorm Coverage: Florida law requires windstorm insurance in high-risk areas like the Keys. Double-check deductibles and exclusions before storm season peaks.

  • Update Inventory: Take photos or videos of valuables for documentation—this makes claims smoother if damage occurs.


2. Inspect and Secure Your Property

  • Roof & Gutters: Look for loose shingles, leaks, or clogged gutters that could cause water intrusion.

  • Windows & Shutters: If you don’t have impact windows, ensure your hurricane shutters are working and accessible. Many Key West homes rely on traditional metal panels or accordion shutters—test them now, not during a storm watch.

  • Yard & Outdoor Areas: Trim trees, secure patio furniture, and store items that can turn into dangerous projectiles.

  • Boats & Docks: If you own waterfront property, check mooring lines and dock cleats. Monroe County advises double-tying vessels or hauling them if possible.


3. Prepare Emergency Supplies

Every Florida Keys household should have:

  • At least 7 days of non-perishable food and water (1 gallon per person per day).

  • Flashlights, extra batteries, and solar phone chargers.

  • A fully stocked first-aid kit.

  • Medications and pet supplies.

  • Cash in small bills (ATMs may be down after storms).


Pro tip: Check Monroe County Emergency Management’s Hurricane Preparedness Guide for updated local requirements and evacuation info.


4. Know Evacuation Routes & Zones

  • Monroe County uses phased evacuation orders (visitors, mobile home residents, special needs, then general population).

  • US-1 is the only road out of the Keys—leaving early is essential to avoid gridlock.

  • Check your zone on the Monroe County evacuation map.


5. Update Your Hurricane Plan

  • Communication: Decide how your family will stay in touch if cell towers are down.

  • Shelters: Identify the nearest Monroe County storm shelter, but remember they are limited in capacity.

  • Pets: Only specific shelters allow pets, and pre-registration is often required.


6. Partner With Local Resources

  • Monroe County Emergency Management: Real-time alerts via AlertMonroe.

  • City of Key West: Local storm updates and recovery info.

  • Florida Keys Electric Cooperative (FKEC) / Keys Energy Services: Utility outage updates.


October is crunch time for hurricane prep in the Florida Keys. By reviewing insurance, securing property, and stocking supplies, Key West homeowners can face the season with confidence. While we all hope for calm seas and sunny skies, being prepared ensures you protect not just your home, but your peace of mind.


Remember: in the Keys, preparedness is part of island living. Take October seriously, and never underestimate the possibility of a Fantasy Fest hurricane (ah hem... Hurricane Wilma)

 
 
 

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