Hurricane season starts June 1, and more than 4.2 million homes along the U.S. Atlantic and Gulf Coasts are located within storm-surge risk zones, totaling more than $1.1 trillion in property exposure, according the “2013 CoreLogic Storm Surge Report.” And, almost half a million of those properties are in New York City metro area alone. The report from CoreLogic, a residential property information, analytics and business services provider, contains a breakdown of residential property risk along the Atlantic and Gulf coasts at five key geographic levels: national, regional, state, metro and ZIP code.

Storm surge is triggered primarily by the high winds and low pressure associated with hurricanes, which cause water to amass inside a storm as it moves across the ocean before releasing as a powerful rush overland when the hurricane moves onshore, CoreLogic said.

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