The most powerful hurricane ever to hit north-west Florida has flooded beach towns, submerging homes and snapping trees like twigs.

Hurricane Michael made landfall on Wednesday afternoon as a category three storm with 125mph (200km/h) winds in the state’s Panhandle region.

One person was killed by a falling tree, Florida officials say.

The storm left nearly 500,000 people without electricity in Florida, Alabama and Georgia, emergency services say.

Michael was so powerful that it remained a hurricane as it moved further inland.

It was a category two hurricane by Tuesday, and a borderline category five on Wednesday morning, packing 155mph winds.

Florida Governor Rick Scott warned of “unimaginable devastation”, saying it would be the worst storm in 100 years.

Michael reportedly killed at least 13 people in Central America: six in Honduras, four in Nicaragua and three in El Salvador.

More than 370,000 people in Florida were ordered to evacuate, but officials reckon many ignored the warning. When the storm passes, affected homeowners may need to hire roof repair professionals to deal with tile roofing damages, flooded rooms and basements, fallen trees, etc. Commercial buildings may also need to work on commercial roof installation projects to replace damaged roofs.

The coastal city of Apalachicola reported a storm surge of nearly 8ft (2.5m).

“We are catching some hell,” Timothy Thomas, who rode out the storm with his wife in their home in Panama City Beach, Florida, told the Associated Press news agency.

Michael has already knocked out power to a quarter of a million homes and businesses, as power lines were smashed by falling trees.

“We are in new territory,” Miami-based National Hurricane Center (NHC) meteorologist Dennis Feltgen wrote on Facebook.

“The historical record, going back to 1851, finds no Category 4 hurricane ever hitting the Florida panhandle.”

Reuters news agency reports that Michael is the third-most powerful storm ever to make landfall in the mainland US, after Hurricane Camille in Mississippi in 1969 and the Labor Day hurricane of 1935 in Florida.

Federal Emergency Management Agency Director Brock Long said at the White House that he was especially concerned about buildings constructed before 2001, and not able to withstand such high winds.

“We just hope those structures can hold up,” President Donald Trump responded. “And if not, that they’re not in those structures.”

States of emergency have been declared in all or parts of Florida, Alabama, Georgia and North Carolina.

The hurricane made landfall near Mexico Beach, Florida, at around 14:00 (18:00 GMT) on Wednesday, according to the NHC.

Forecasters warned parts of Florida could experience storm surges of up to 14ft (4m) and flash floods from up to 12in (30cm) of rain.

Schools and state offices in the area are to remain shut this week.

Florida has activated 3,500 National Guard troops.

At 03:00 GMT on Thursday, maximum sustained winds decreased to 75mph, the NHC said in a bulletin.

“Michael will steadily weaken as it crosses the south-eastern United States through Thursday night, becoming a tropical storm by Thursday morning.

“Michael is forecast to re-strengthen some Thursday night and Friday when it moves off the east coast of the United States and becomes a post-tropical cyclone on Friday,” the NHC added.

More than 300 miles of coastline were under threat, the National Weather Service said.