Quick Answer
Hurricane season runs June through November. Significant hurricanes hit Cabo roughly every 10-15 years (Hurricane Odile in 2014 was the most recent major impact). Comprehensive homeowners insurance including hurricane coverage is essential ($500-$1,500/year). Modern construction in Cabo meets hurricane building codes. The city's recovery infrastructure has improved significantly since 2014.
Detailed Answer
Hurricane season in the eastern Pacific runs June through November, and Los Cabos sits within the potential path of tropical storms. However, significant hurricanes making direct landfall are relatively rare — roughly every 10-15 years. Hurricane Odile in September 2014 was the most recent major impact, a Category 3 storm that caused widespread damage but from which the region recovered remarkably within months. The experience prompted significant upgrades to building codes, emergency infrastructure, and insurance practices across Los Cabos.
Modern construction in Cabo is built to withstand hurricane-force conditions, with reinforced concrete, impact-resistant windows, and engineered roof systems. Comprehensive homeowners insurance including hurricane, earthquake, and flood coverage is essential and costs $500-$1,500 per year for standard properties. Claims processing has improved dramatically since 2014, with both Mexican and international insurers maintaining local adjusters in the region. If you are away during a storm, your property manager handles preparations — boarding windows, securing outdoor furniture, and shutting down systems.
The hurricane risk in Cabo is real but manageable, and it is reflected in insurance costs that remain very affordable by US coastal standards. Our team ensures every buyer has appropriate coverage in place before closing. For more on protecting your property, browse our FAQ hub or contact us for insurance broker recommendations.