What Are the Odds? Chances of a Natural Disaster Hitting Your Home

What Are the Odds? Chances of a Natural Disaster Hitting Your Home
Every day, intentionally or not, we as humans play the odds. We play the odds when we get behind the wheel of our car, walk across the street or step into the shower. You can find the odds on just about anything that could possibly happen to you. If you are an amateur golfer, for example, the odds of you hitting a hole in one are about 1 in 12,500. For a pro golfer the odds drop to 1 in 2,500. Of course, if you don’t play the game at all the odds are non-existent. The odds of winning the Mega-Millions Jackpot are about 1 in 302 million and Powerball about 1 in 292 million. Even that doesn’t stop us from playing, however.
Some would argue that to some degree, insurance companies deal in the odds of something happening in determining premiums for their insurance policies. Certainly statistics play a critical role. Location, for example, is the most important issue in determining the odds of a calamity occurring. What are the odds of a particular natural disaster hitting home?
States with the most severe earthquakes:
Alaska
California
Nevada
Hawaii
Washington
It’s not surprising that Southern and Southeastern states see most of the nation’s most severe hurricanes. The top five include:
Florida
Texas
North Carolina
Louisiana
South Carolina
When it comes to tornados, states who have seen the most in recent decades include:
Texas
Kansas
Oklahoma
Florida
Nebraska
States with the most wildfires include:
California
Texas
Colorado
Arizona
Idaho
Florida has the most people who live in FEMA’s 100 year floodplain, followed by California and Georgia.
It is important that you review your homeowners’ insurance to ensure you have the coverage you may believe you have. If you do not have flood insurance and want to acquire it, our independent insurance agents can assist you. If your coverage for high wind damage doesn’t appear to be sufficient, we can help you. If you are concerned about tornados, sinkholes or lightning strikes, talk to us.
Our homeowners’ insurance reviews are provided at no cost, and if you like, we will do the research to find you better coverage at the best possible price. The choice is always yours.
What are the odds of you experiencing a calamity? The time to prepare is now. Contact us for a review and quote today.
Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder
Search All Blogs
Search All Blogs
Read More Blogs
Peace of Mind for Your Business: Key Moments When Insurance Pays Off
Business insurance: essential protection for common challenges.
Navigating Life Insurance: 5 Common Mistakes to Avoid for Your Financial Future
Avoid these 5 common mistakes when buying life insurance.
Your Car’s Health Check: A DIY Guide to Safety and Maintenance
Simple DIY car checks for safety and maintenance.
Budget-Friendly Home Upgrades: 4 Ways to Boost Your Home’s Value and Appeal
Boost home value on a budget with these 4 DIY upgrades.
From Cutting-Edge to Clutter: Modern Antiques Hiding in Your Home
Uncover the surprising “antiques” in your tech drawer.
Unlocking Customer Loyalty with Smart Data
Turn customer data into your business superpower.
Is There an Age Limit for Life Insurance? Understanding Your Options
The truth about age and life insurance eligibility.
5 Automotive Icons That Sounded Destined for Greatness
Uncover the powerful names behind legendary cars.
7 Surprising Facts You Didn’t Know About Home Insurance
Unexpected insights into the world of home and renters insurance.
Still Living in the Stone Age? 7 Signs You’re Resisting Technology
Uncover your tech resistance and unlock modern convenience!