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Hurricane Sandy has displaced Hurricane Irene as the costliest hurricane to affect the northeastern United States since the last time Digital Insurance checked in with the Insurance Information Institute on the costliest hurricane claims events in U.S. history. Insurers' response to catastrophe events is getting more sophisticated all the time, with drones saving adjusters time and protecting their safety, and analytics and mobile communications combining to alert policyholders of incoming dangers. For the purpose of these rankings, insured damages do not include those covered by the National Flood Insurance Program, and are not adjusted for inflation.
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10. Hurricane Hugo

Date: Sept. 17 to 22, 1989
Insured damages: $4.195 billion
Affected states: Georgia, North Carolina, Puerto Rico, South Carolina, Virginia and U.S. Virgin Islands.
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9. Hurricane Frances

Date: Sept. 3 to 9, 2004
Insured damages: $4.595 billion
Affected states: Florida, Georgia, New York, North Carolina and South Carolina
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8. Hurricane Rita

Date: Sept. 20 to 26, 2005
Insured damages: $5.627 billion
States affected: Alabama, Arizona, Florida, Louisiana, Mississippi, Tennessee and Texas
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7. Hurricane Ivan

Date: Sept. 15 to 21, 2004
Insured damages: $7.11 billion in damages
Affected states: Alabama, Delaware, Florida, Georgia, Louisiana, Maryland, Mississippi, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia and West Virginia
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6. Hurricane Charley

Date: Aug. 13 to 14, 2004
Insured damages: $7.475 billion in insured damages
States affected: Florida, North Carolina and South Carolina
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5. Hurricane Wilma

Date: Oct. 24, 2005
Insured damages: $10.3 billion
States affected: Florida
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4. Hurricane Ike

Date: Sept. 12 to 14, 2008
Insured damages: $12.5 billion
States affected: Arkansas, Illinois, Indiana, Kentucky, Louisiana, Missouri, Ohio, Pennsylvania and Texas
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3. Hurricane Andrew

Date: Aug. 24 to 26, 1992
Insured damages: $15.5 billion in insured damages
States affected: Florida and Louisiana
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2. Hurricane Sandy

Date: Oct. 28 to 31, 2012
Insured damages: $18.7 billion
States affected: Connecticut, Delaware, Massachusetts, Maryland, Maine, North Carolina, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Virginia, Vermont, West Virginia, Washington, D.C.
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1. Hurricane Katrina

Date: Aug. 25 to 30, 2005
Insured damages: $41.1 billion
States affected: Alabama, Florida, Georgia, Louisiana, Mississippi and Tennessee