“Cat 5” Boat Storage: What It Is and Why You Might Need It

When hurricanes, tornadoes, or hailstorms threaten the coast, boaters have a tough decision: leave their vessel docked and hope for the best, or move it to a safer location. That’s where “Cat 5” boat storage comes in — a high-security, storm-rated storage solution that could be the difference between total loss and peace of mind.

Whether you're on the Gulf Coast, Eastern Seaboard, or in a hail-prone inland marina, understanding your storm storage options is critical. Here’s everything you need to know about “Cat 5” boat storage — and how Ahoy! Insurance supports smarter storm planning.

1. What is “Cat 5” Storage?

• “Cat 5” (Category 5) boat storage refers to facilities built or rated to withstand winds of 157+ mph, aligned with the definition of Category 5 hurricanes.
• Typically includes indoor dry-stack storage, reinforced hangars, and marina shelters with hurricane-rated construction.
• May also include secure tie-down infrastructure and flood-resilient drainage systems.
  

2. Why It Matters

• Boats are especially vulnerable to wind, debris, and surge during major storms.
• Many insurance claims during hurricanes stem from preventable damage at marinas or unsecured slips. As such, many insurance policies will require moving the boat to a Cat 5 storage or out of the storm path during the time of a “named storm”. Failing to do so could result in losing coverage when you need it most.. Named storms are storms that have been officially given a name by a recognized weather authority, such as the National Hurricane Center (NHC) in the United States.
• Storing your boat in a Cat 5-rated facility can reduce damage risk and lower claim likelihood — a win for boaters and insurers alike.
  

3. Who Should Consider It?

• Boaters located in hurricane zones: Florida, Gulf Coast, Carolinas, etc.
• Those in areas with frequent hail storms, tornadoes, or microbursts.
• Owners of high-value or older vessels which will take more time to repair.
• Seasonal boaters who want secure off-season storage.
  

4. How to Find Cat 5 Storage

• Ask your marina if they offer Cat 5-rated facilities or know of nearby options.
• Look for:
  • Indoor dry stack with reinforced structure
  • Hurricane-rated doors and tie-downs
  • Climate control for sensitive equipment
  • Proximity to emergency services
• Consider relocation plans during hurricane season — some facilities accept temporary seasonal customers but many require you to reserve in advance … not when a storm is approaching.
  

5. Insurance & “Cat 5” Storage: What to Know

ome insurance policies may offer discounts for using Cat 5 facilities. Others might require proactive measures — like relocating your boat — for hurricane-prone areas.

At Ahoy!, we help you plan ahead by offering:

• Storm alerts and guidance
• Coverage that follows your boat during relocation
• Reimbursement of a portion of the relocation costs if moving your boat out of a named storm’s path

Note: In the Gulf states, recovery or salvage is not covered if a named storm hits — which is why proactive relocation is key.

Be sure to check your marina contract and talk to your insurer to ensure your storm preparation plan is fully supported.

Smart boating means preparing for the worst, even when you hope for the best. Ahoy! Insurance supports your safety with coverage built for real-world risks, including storms.

Get a Quote from Ahoy! and learn how we help protect your boat — at sea, docked, or in “Cat 5” Boat Storage.