Our hurricane season continues in the Atlantic until Nov. 30. Though we have thankfully dodged any direct impacts from the nine named storms this season. The most recent storms, Humberto and Imelda , moved way offshore and away from the U.S. coastline.

“And that's kind of been the pattern so far this year in terms of major storms," said Dr. Louis Gritzo, Chief Science Officer at FM, a commercial property insurer. "We've been very, very fortunate.”

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Still, Gritzo warns against complacency, which sets in when we have a quiet peak season.

October brings warm sea surface temperatures and cooling air, which is a recipe for more instability and storm development.

“Definitely not time to take the guard down,” said

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