I hate to break this to you but about 6-7 years ago your homeowners insurance stopped covering damage caused by hurricanes. I remember receiving the notice, I looked at other companies and they all did the same thing. I moved south since then but I remember being pissed because hurricanes are the biggest risk most NE homeowners face (other than fire).
Just did a little research and found that the typical homeowner's policy doesn't cover things like flooding which,of course,can happen during a hurricane.But my research seems to indicate that wind damage and a tree falling on your house would be covered.Given that my condo's on the 3rd floor I'm not likely to experience flooding so I suspect I'd be OK.
I think.
One thing I did find is that policies in Florida can be different from those in other areas.That's pretty understandable given how susceptible Florida is to hurricanes but I'm not in Florida.