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

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

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

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

What You Need to Know About Today’s Driving Schools

Today’s Online Driving Schools are Convenient and Affordable…and May Save You Money

Hurricanes, High Winds and Homeowners’ Insurance

Wind Storms Can Bring Serious Damage No Matter Where You Call Home

The “Flying Nun” and Other Wild TV Show Premises

Talking cars, funny aliens and horses on telephones are just the start of television’s craziest premises for shows. Oh, and there’s the Flying Nun.

How to Get Clients to Promote Your Business

Positive Comments and Testimonials Have Real Value

Five Cents a Week for Life Insurance? Wait…There’s more!

There Was a Life Insurance Version of the Milk Man and Home Doctor Visit

The Info You’ll Need to File an Automobile Insurance Claim

Being Prepared with the Appropriate Info Can Help Make Claims Smoother

Buying a Home? See These Five Movies First

There Can Be Both Humor and Horror Found in Real Estate Themed Movies.

Six Women Who Made a Big Impact on Modern Music

Strong woman with impeccable voices helped lead the way for generations of female singers. Here are six of the most impressive.

Cutting Costs Without Slashing Your Business

A Dollar Saved Is Not Always a Dollar Earned in Business

The Difference Between Term Life Insurance and Permanent Life Insurance Explained

This is a Great Way to Start with Life Insurance

Leave a Comment