New York metro area now ranks as the most hurricane-exposed housing market in the country, with Cotality data showing more than 3 million homes vulnerable to catastrophic wind events. That figure surpasses Miami, which long has been considered the U.S. city most at risk from tropical storms.

The report from the property analytics firm challenges conventional assumptions about where hurricane risk concentrates. New York's dense, high-value housing stock makes it uniquely exposed when storms track up the Atlantic coast. Cotality assessed wind exposure across all major metropolitan areas to rank which regions face the greatest residential threat.

For insurers, real estate investors, and homeowners, the finding carries immediate financial weight. Higher hurricane exposure typically drives steeper premiums and more cautious underwriting. Property values in the Northeast already face heavy insurance burdens, and adding wind risk could reshape deal economics for developers and change how coverage costs are calculated.