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National Flood Insurance Program and private insurance losses are expected to range from $8B-$18B, according to CoreLogic.

The legislation will provide an extension for the National Flood Insurance Program through December 16, 2022.

Determining too soon if wind or flooding caused damages is just the first step into the potential legal minefield trailing in Hurricane Ian's wake.

The early estimates come as Ian is expected to move into the Carolinas and cause further havoc up the east coast.

Growing replacement costs and the frequency of severe weather are driving up the average annual total, according to Verisk.

Hurricanes produce strong, powerful winds, but it's actually the water that causes most of the destruction, accounting for nearly 90% of fatalities.

If the hurricane continues to intensify, CoreLogic warns over 1 million Floridian homes could be at risk.

The National Hurricane Center anticipates Ian to become a major hurricane as it nears western Cuba later tonight.