Hurricane Charley — Southwest Florida, August 2004

Total Insured Loss

$3.48B

Wind + Surge — 3,663,442 buildings modeled

🌪 Wind Loss

$3.29B

1,770,300 buildings affected · peak 148 mph

BM: $6.80B (-51.6%) — AIR Worldwide 2004: $6.8B insured wind l

🌊 Surge Loss

$184.6M

9,780 buildings inundated · peak WSE 7.6 ft

BM: $200.0M (-7.7%) — insured fraction pending

Storm Summary

CategoryCat 4

Max wind125 kt

Min pressure942 mb

Peak model wind148 mph

Surge WSE peak7.6 ft

Peak depth at FFE7.3 ft

VE zone buildings7,535

VE open / enclosed3,755 / 3,780

View Mode

Wind

Surge

Combined

Legend

None (<1%)

Minor (1–10%)

Moderate (10–30%)

Severe (30–70%)

Destruction (>70%)

Layers

Storm Track Buildings

Pipeline Stages

S1 — Track

HURDAT2 AL092022 — 39 pts

S2 — Holland B Wind Field

3,663,442 FL buildings

S2s — Surge Field

Irish et al. parametric WSE · FM 7.6 ft ({peak_wse-14.1:+.1f} ft vs 14.1 ft obs)

S3 — HAZUS Wind Fragility

By construction class

S3s — HAZUS Surge Curves

VE open/enclosed + AE · enclosure_class from SI

S4 — Loss Aggregation

Wind $3.29B · Surge $184.6M

S5 — Viewer Deploy

PMTiles · Cloudflare Pages

Wind: Holland B parametric field. Surge: Irish et al. (2008) parametric WSE. Peak 1×Rmax right of track. HAZUS Ch. 7 depth-damage curves by enclosure class (Phase 6 SI). Combined = max(wind DR, surge DR).

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Hurricane Charley — Southwest Florida, August 2004 — Wind & Surge Damage