The final tally for the 2025 North Atlantic hurricane season ended up including eight tropical storms, one category 4 hurricane (Gabrielle) and three category 5 hurricanes (Erin, Humberto, Melissa). Only one event, Hurricane Imelda, fell into the intensity classes sometimes described as “moderate” hurricane (categories 1, 2 and 3).

Is the near absence of moderate hurricanes in 2025 part of a long-term trend of changing storm intensities?

The historical record provides evidence that minor hurricanes are being squeezed out by weaker tropical storms and the strongest hurricanes. The proportion of hurricanes reaching moderate intensities (categories 1 to 3) is shrinking. Over the 30-year period between 1970 and 1999, the typical proportion of moderate intensity hurricanes in a given year was 45%. (Data are sourced from the International Best Track Archive for Climate Stewardship.) Over the more recent 2000 to 2025 period, this proportion lowered to 33%. The contributions of moderate intensity storms to the overall season are being replaced by a higher proportion of both the weakest and the strongest storms.

The 2025 season is an extreme example of this recent tendency toward “disappearing” moderate hurricanes. Category 2 Imelda represents just 8% of the season’s total of 13 storms. Tropical storms contributed 62% and categories 4 and 5 combined contributed 31%.

How is it possible that the number of both the weaker tropical storms and strongest hurricanes would be increasing at the same time?

A More Favorable Environment

We’ve known for a long time that hurricanes are fueled by ocean heat. The observed increases in ocean heat in the North Atlantic basin are supportive of stronger hurricanes. For hurricanes to reach their full potential, however, the atmospheric environment (e.g., wind shear, humidity) must also be supportive. Whereas the ocean heat is generally sustained throughout the hurricane season, supportive atmospheric conditions are fleeting. Those rapid changes in atmospheric conditions explain why we don’t have hurricanes everywhere all the time during the season.

Many storms are capped at low-end intensities by atmospheric conditions that are only marginally favorable. These windows of supportive atmosphere don’t have to last long to produce a major hurricane—most major hurricanes rapidly intensify within a day or so. Historically, large parts of the North Atlantic Ocean were cooler and could only support storms up to minor hurricane strength. But now that the heat content of the North Atlantic is consistently higher overall, more parts of the surface ocean are able to fuel storms up to category 4 or 5 strength. Put simply, environmental conditions that would support a hurricane only up to categories 1, 2 or 3 are becoming scarce.

How 2025 Will Help Expand the Hurricane Rule Book

The goal of hurricane science is to explain the “rules” of hurricane behavior. The 2025 season was an additional and important data point that will allow us to fill in more of the hurricane rule book. Conducting hurricane science is analogous to watching a football match with no prior knowledge of the rules. Watching a single match will give some clues to the rules. Watching the entire football season could allow new fans to write down their understanding of some of those rules. In the same way, analyzing larger collections of hurricane seasons allows us to write more of the hurricane rule book. Analysis of the 2025 season will allow us specifically to understand better the rule of volatility.

Increasing hurricane season volatility, where already-active seasons see the largest increases in activity, has the potential to vastly stretch out the tail of the loss distribution. We also have evidence that hurricane volatility may continue to increase in the future.

Of course, impacts result from storms making landfall. Throughout the 2025 season, a persistent trough of low pressure over the Southeastern United States steered storms away from the U.S. coastline. History tells us that these protective steering winds are not present every year. When the tropical Pacific Ocean is in its La Niña phase, environmental winds in the North Atlantic tend to steer storms toward the United States. With ongoing warming and a continued increasing proportion of the strongest storms, it’s only a matter of time before we experience a season that creates an unfortunate blend of a high number of the strongest storms with U.S.-bound environmental winds.

While we may not be seeing a steady increase in the overall number of hurricanes every year, we are seeing a shift in what matters most for loss: intensity. A warmer ocean and a moister atmosphere can supercharge storms that do form, increasing the likelihood of rapid intensification and more category 4 and 5 storms.

For insurers, this means fewer ‘middle-of-the-road’ events and more tail risk, which has important implications on accumulation and reinsurance strategies.