Are You At Risk?
If you aren't sure whether your house is at risk from hurricanes or
tornadoes, check with your local building official, city engineer, or
planning and zoning administrator. They can tell you whether you are in an
area where these high-wind events occur. Also, they usually can tell you
how to protect yourself and your house and property from the effects of
What You Can Do
Hurricane and tornado protection can involve a variety of changes to
your house and property -- changes that can vary in complexity and cost.
You may be able to make some types of changes your-self. But complicated
or large-scale changes and those that affect the structure of your house
or its electrical wiring and plumbing should be carried out only by a
professional contractor licensed to work in your state, county, or city.
One example of hurricane protection, illustrated below, is installing
storm shutters or temporary plywood covers to protect windows. These are
things that skilled homeowners can probably do on their own.
Install Shutters or Plywood Window Covers
winds and windblown debris can easily break unprotected windows and then
enter your house. Once inside, wind and debris can cause more damage.
Protecting windows not only helps you avoid damage to your house, it also
reduces the likelihood that you or members of your family will be hurt by
broken glass and debris.
Windows can be protected with permanent storm shutters or, as shown in
the figure, temporary plywood covers. Permanent storm shutters can usually
be closed quickly and easily -- an advantage over temporary covers. But
temporary covers can be an economical alternative and can be installed
fairly quickly if the necessary preparations are made. Plywood covers can
also be used to protect sliding glass doors and French doors.
Keep these points in mind when you install shutters or use temporary
You should always consider using permanent storm shutters if you
live in an area where you know you will need to act quickly to protect
If you decide to use temporary plywood covers, you may want to hire
a contractor or handyman to make them for you. If you do the work
yourself, you will need to cut the plywood and drill holes for screws
or lag bolts in each cover and in the wall around each window. The
screws or lag bolts should be placed along the top, bottom, and sides
of each cover, and they should be long enough to penetrate the wall
studs around the window, not just the siding or wall covering.
Don't wait until a hurricane warning is issued to make the covers;
you probably won't have time. Make them now so that you'll be ready to
install them quickly. Store the mounting screws or lag bolts with the
covers, in a place where they are readily accessible -- don't stack
heavy boxes or other hard-to-move materials on top of or around the
covers. Use a numbering or lettering system that shows which cover
goes with which window.
Storm shutters can cost $50 to $60 per square foot of window. So a set
of shutters for a 3-foot by 4-foot window could cost about $600 to $720.
The cost of a plywood cover will also depend on the size of the window. If
you do the work yourself, you can expect plywood to cost about $0.60 per
square foot. Screws or lag bolts, including washers, will cost about $0.10
to $0.15 each. So, for example, protecting a window that is 3 feet wide
and 4 feet high will cost you about $10. This figure covers only the
materials you will have to buy and excludes the cost of any tools you use
and the value of your time. If you hire a contractor or handyman to do the
work, you will have to pay for time as well as materials.
Other Sources of Information
Against the Wind, FEMA 237 (Brochure 2-0003; Video 0-0001), 1993
Building Performance: Hurricane Andrew in Florida -- Observations,
Recommendations, and Technical Guidance, FIA-22, December 21, 1992
Best Build I, Constructing a Sound Coastal Home, FEMA and the
To obtain copies of these and other FEMA documents, call FEMA
Publications at 1-800-480-2520. Information is also available on
the World Wide Web at http://www.fema.gov.