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

Generic filters

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Generic filters

Read More Blogs

Curious Origins: Unraveling the Stories Behind Everyday Phrases

Uncover the surprising stories behind everyday phrases like “holy Toledo,” “crocodile tears,” “jaywalking,” and more!

The Unprotected Majority: Why Business Insurance Isn’t a Luxury, It’s a Necessity

Don’t gamble with your business! Learn why business insurance is a critical investment, not a luxury, and how affordable coverage can safeguard your future.

Declutter Your Life: Beyond the Physical to a More Streamlined Existence

Tired of clutter? Discover actionable tips to declutter not just your belongings, but also your finances and digital life for a more streamlined and stress-free life.

Decoding the Fine Print: 4 Essential Auto Insurance Terms You Need to Know

Demystify auto insurance! Understand the real meaning behind state minimums, uninsured motorist, no-fault, and full coverage to protect yourself on the road.

Apartment Living Made Easy: Essential Tips for a Smooth Move and Happy Tenancy

Moving into an apartment? Get smart with these essential tips on landlords, leases, parking, documentation, and the crucial need for renters insurance.

The Heart of the Game on Screen: Celebrating Iconic Sports Movies

Relive the magic of iconic sports movies like “Hoosiers,” “Field of Dreams,” “Brian’s Song,” and more, celebrating the unforgettable stories and moments they brought to the screen.

What’s Your Slice of the Pie? Uncovering Your True Market Share

Curious about your market share? Learn a simple method using online research to estimate your potential and understand your local market landscape.

Your Life Insurance Journey: Start Small, Dream Big, Build Security

Don’t wait for the perfect policy. Discover how starting small with life insurance is the key to building long-term financial security for your family.

Beyond the Touchscreen: 6 Analog Essentials Every Modern Car Should Carry

Don’t rely only on tech! Here are 6 old-school items that are still crucial to keep in your modern vehicle for safety and convenience.

From Wildflower Fronts to Smart Thermostats: How Our Homes Have Radically Evolved

Journey through the surprising history of our homes, from pre-war front yards to modern air conditioning and window innovations.