Based on its high-resolution US Hurricane Reference Model, KCC estimates that the insured loss from hurricane Nicholas will be close to $950 million.
On September 9, a tropical wave formed over the western Caribbean Sea and moved toward the northwest steadily until it reached the southern Gulf of Mexico the following day.
The wave, interacting with a surface trough produced widespread disorganized thunderstorms and showers and by September 12, showers and thunderstorms organized into Tropical Storm Nicholas.
That storm progressed north across the Gulf of Mexico over the next few days before intensifying to a Category 1 hurricane; making landfall west-southwest of Sargant Beach, Texas with maximum sustained winds of 75 mph.
Shortly after landfall, Nicholas weakened to tropical storm strength as it moved further inland across eastern Texas.
By the evening of September 14 Nicholas transitioned to a tropical depression before making an eastward turn over Louisiana and eventually dissipating.
Hurricane-force winds were isolated to coastal areas, and most wind impacts were from tropical storm force winds.
In the Bay City area near the landfall point, there were reports of structural roof damage, damage to exterior walls, and siding damage.
Further inland, most impacts included low-level wind damage with more significant damage from downed trees.
Over 500,000 people were left without power as a result of high winds and downed trees knocking down powerlines.