Those numbers are expected to mount as more home and business owners assess their damages from Irma. Brevard County, which had reports of tornadoes touching down, is reporting 22,099 claims filed so far.
The powerful storm, which slammed into Florida on September 10, plunged huge sections of the state into darkness, caused widespread flooding, and led to the closure of more than half of the state's county-wide school systems. The latest total doesn't include any deaths from Monroe County, where recovery efforts continue.
Lack of electricity and flooding were huge issues for superintendents as they worked to reopen after the storm, but meeting the required number of instructional minutes was also a worry at the back of their minds. "Every claim represents a disruption of some family's life".
The federal program paid out $623 million in claims from Hurricane Matthew previous year in Florida and other states, with individual claims averaging $38,305, according to the Federal Emergency Management Agency.
Rounding out the five most impacted counties is Okeechobee County, located north of Lake Okeechobee, with 6.0 claims per 100 residents. The storm's 350-mile width put all of the state under a hurricane watch for the first time in history.
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Damage assessments are still underway, but the bureau is estimating 60-70% of crop losses throughout the state which could not only affect producers, but consumers as well.
The innovative Florida Public Hurricane Loss Model, which is used to calculate the financial and insurance impact, is the State of Florida's benchmark for evaluating the financial risks faced by insurance companies that write windstorm policies, and, in turn, set the premiums paid by their customers.
Fitch Ratings says estimated insured losses for the industry could run from $25 billion to $50 billion.
CoreLogic forecasts up to $15 billion in wind damage, which is typically covered by private insurers and, in Florida, by the state-run Citizens Property Insurance Corp.
"In the US, the losses from Irma will be significant and many communities have been severely disrupted". In Florida, "I think it's probably close to $10 billion", he said. Hurricane Matthew in 2016 caused an estimated $1.2 billion in insured wind losses in Florida while Hurricane Wilma cost $10.3 billion in 2005 dollars.
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