The 1945 Homestead hurricane, known informally as Kappler's hurricane, was the most intense tropical cyclone to strike the U.S. state of Florida since 1935. The ninth tropical storm, third hurricane, and third major hurricane of the season, it developed east-northeast of the Leeward Islands on September 12. Moving briskly west-northwestward, the storm became a major hurricane on September 13. The system moved over the Turks and Caicos Islands the following day and then Andros on September 15. Later that day, the storm peaked as a Category 4 hurricane on the modern-day Saffir–Simpson scale with winds of 130 mph (215 km/h). Late on September 15, the hurricane made landfall on Key Largo and then in southern Dade County, Florida.

Thereafter, the hurricane began to weaken while moving across Florida, falling to Category 1 intensity only several hours after landfall late on September 15. Eventually, it curved north-northeastward and approached the east coast of Florida again. Late on September 16, the storm emerged into the Atlantic near St. Augustine and weakened to a tropical storm early on the following day. The cyclone made another landfall near the Georgia-South Carolina state line later on September 17. The system continued to weaken and transitioned into an extratropical cyclone near the border of North Carolina and Virginia early on September 18.

The storm caused significant damage and 22 deaths in the Turks and Caicos Islands and the Bahamas. In Florida, the hardest hit area was Dade County. Most of the city of Homestead was destroyed, while at the Naval Air Station Richmond, a fire ignited during the storm burned down three hangars worth $3 million (1945 USD) each. Throughout the state, the strong winds destroyed 1,632 residences and damaged 5,372 other homes. Four people died, including the fire chief of the Richmond station. In the Carolinas, the storm produced heavy rainfall, causing flash flooding, particularly along the Cape Fear River in North Carolina. Overall, the hurricane resulted in 26 fatalities and about $60 million in damage.

The hurricane was first observed on September 12 about 235 miles (380 km) east-northeast of Barbuda in the Lesser Antilles. Around that time, the winds were estimated at 75 mph (120 km/h), and later that day, the Hurricane Hunters recorded peripheral winds of 54 mph (87 km/h). The storm quickly earned the moniker Kappler's hurricane, after the Hurricane Hunters' lead aerial forecaster, Lieutenant Bernard J. Kappler, who first noted the storm. Moving quickly to the west-northwest, the hurricane quickly intensified while passing north of Puerto Rico, reaching the equivalent of a modern-day major hurricane with winds of 115 mph (185 km/h) on September 13. The strength was based on another Hurricane Hunters mission reporting flight-level winds of 120 mph (190 km/h). After passing north of Hispaniola, the hurricane turned toward The Bahamas, approaching or passing over Grand Turk Island at 05:30 UTC on September 14. A station on the island observed a brief lull, along with a minimum barometric pressure of 28.83 inHg (976 mb), during the passage, and nearby Clarence Town reported winds of 105 mph (169 km/h). Gusts of 140 to 150 mph (230 to 240 km/h) were estimated to have impacted Grand Turk and Long islands. While moving through the Bahamas, the hurricane turned more to the northwest. Though quite intense, it was a smaller-than-average storm; it continued intensifying en route to southeastern Florida. At 13:00 UTC on September 15 reconnaissance aircraft entered the eye of the storm and registered a minimum central pressure of 28.29 inHg (958 mb).

At 19:30 UTC the hurricane made landfall on Key Largo, and about a half hour later struck the Florida mainland. The eye of the cyclone passed very close to Homestead Air Reserve Base about an hour after landfall, where a central barometric pressure of 28.09 inHg (951 mb) was recorded, along with a nearly hour-long period of calm conditions. The observation suggested a landfall pressure of 949 mbar (28.0 inHg), and based on the storm's small size, sustained winds of about 130 mph (215 km/h), equivalent to a Category 4 on the current Saffir–Simpson scale. This estimate was substantiated by a gust of 138 mph (222 km/h) at Carysfort Reef Light, on the weaker side of the storm. The hurricane weakened over Florida while curving to the north and north-northeast, although the proximity to water and the passage over the Everglades limited substantial weakening. Hurricane-force winds spread across much of Florida until the storm emerged into the western Atlantic near Ponte Vedra Beach early on September 17. At around 06:00 UTC, the hurricane weakened to tropical storm status. About 11 hours later, it made another landfall on Daufuskie Island, near the border between Georgia and South Carolina, with winds of 70 mph (110 km/h). After continuing through the southeast United States, the storm became extratropical near the border of North Carolina and Virginia midday on September 18. Although it initially maintained tropical storm-force winds, the former hurricane weakened below gale-force on September 19 while it was near Philadelphia. The storm continued rapidly to the northeast, moving through New England and along the coast of Maine before turning more to the east. Late on September 19, the storm moved across Nova Scotia, passing southeast of Newfoundland the next day. It was last observed late on September 20 dissipating to the east of Newfoundland.

Although hurricane warnings were initially issued for the Leeward Islands, the cyclone passed north of the Lesser Antilles. In advance of the storm, aircraft were evacuated from the Naval Air Station in Miami, Florida, where hundreds of airplanes left vulnerable locations. Residents were advised to heed advisories in Florida, the Bahamas, and northern Cuba. On September 15, hurricane-force winds were expected to affect areas from Fort Lauderdale, Florida, through the Florida Keys, and hurricane warnings were accordingly released for this region. Storm warnings also extended north to Melbourne and Tampa. Military personnel sought shelter at Hialeah Race Track, while residents boarded homes and evacuated from coastal areas to public structures. Boats were utilized to transport people from barrier islands, and small watercraft were secured along the Miami River. However, Grady Norton, the head of the United States Weather Bureau, stated before the storm that Miami would "miss the worst of it". The American Red Cross reported that 25,000 people sought shelter within their services during the storm. Local officials from Cape Hatteras, North Carolina, to Brunswick, Georgia, ordered evacuations for coastal locations.

In the Bahamas and Turks and Caicos Islands, 22 people were killed. The hurricane demolished three-quarters of the structures on Grand Turk Island and caused at least some damage to the remainder. A number of sturdy structures that survived the 1926 and 1928 hurricanes collapsed; century-old trees were laid low and in some cases carried aloft. Some reports indicated that the storm was worse than that in 1926. The cyclone also produced heavy damage on Acklins, Crooked Island, Long Cay, and Long Island, though damages were not reported in Nassau. Numerous homes on the southern tip of Andros were flattened as well. Peak gusts were estimated near 40 mph (64 km/h) in Nassau. After the storm, The Daily Gleaner, in Kingston, Jamaica, initiated a fund to offer aid for residents in the Turks and Caicos Islands.

In South Florida, peak gusts were estimated near 150 mph (240 km/h) at the Army Air Base in Homestead. The strong winds destroyed 1,632 residences across the state, while 5,372 homes received damages. Four deaths were confirmed statewide.