Hurricane Andrew
Hurricane Andrew first inflicted structural damage as it moved through the Bahamas, especially in Cat Cays, lashing the islands with storm surge, hurricane-force winds, and tornadoes. About 800 houses were destroyed in the archipelago, and there was substantial damage to the transport, water, sanitation, agriculture, and fishing sectors. Andrew left four dead and $250 million in damage throughout the Bahamas. In parts of southern Florida, Andrew produced severe winds; a wind gust of 177 mph (282 km/h) was observed at a house in Perrine. The cities of Florida City, Homestead, and Cutler Ridge received the brunt of the storm. As many as 1.4 million people lost power at the height of the storm. In the Everglades, 70,000 acres (280 km) of trees were downed, while invasive Burmese pythons began inhabiting the region after a nearby facility housing them was destroyed. Rainfall in Florida was substantial, peaking at 13.98 inches (355 mm) in western Dade County. In Florida, Andrew killed 44 and left a record $25 billion in damage.
Hurricane Harvey
In September 2017, the Insurance Council of Texas estimated the total insured losses from Hurricane Harvey at $19 billion. This figure represents $11 billion in flood losses insured by the National Flood Insurance Program (NFIP), $3 billion in "insured windstorm and other storm-related property losses"; and about $4.75 billion in insured flood losses of private and commercial vehicles. By January 1, 2018, payouts from the NFIP reached $7.6 billion against total estimated losses of $8.5–9.5 billion. Economists Michael Hicks and Mark Burton at Ball State University estimated damage in the Houston metropolitan area alone at $198.63 billion. Preliminary reporting from the National Oceanic and Atmospheric Administration set a more concrete total at $125 billion, making Harvey the 2nd costliest tropical cyclone on record, behind Hurricane Katrina with 2017 costs of $161 billion (after adjusting for inflation).