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Here's a look at some of the major changes facing the industry in the next few years.

Hurricanes are feared storms for good reasons. And, with winds that can exceed 155 miles per hour, the damage they leave in their wake can be staggering.

Editor's Note for May 2014

A new hurricane model predicts that the U.S. will experience two hurricane landfallsone on the East Coast and one along the Gulf Coastin 2013. Meanwhile, CSU forecasters have reduced the number of hurricanes expected to form this year.

A new hurricane model predicts that the U.S. will experience two hurricane landfallsone on the East Coast and one along the Gulf Coastin 2013. Meanwhile, CSU forecasters have reduced the number of hurricanes expected to form this year.

Although hurricanes are usually associated with southern coastal states, hurricanes Irene and Sandy proved storm surge is also a big risk for other states.

There will be no special ceremonyno speech echoing in a stadium or arena, but "Sandy" has been retired and will never be attached to another storm worthy of a name.

Superstorm Sandy will likely become the third most costly hurricane in U.S. insurance historybut when examining historical storms using todays dollars and exposures it would fall to the 12th costliest storm, the Insurance Information Institute says.