Natural Disaster Statistics 2022: Which Insurance Should You Have in Your State?

As we recently saw in Florida, natural disasters affect millions of people in the U.S. According to the Centre for Research on the Epidemiology of Disasters: natural disasters claim 68,000 lives around the world each year.

According to the Weather Channel, in 2021, there were a total of 146 U.S. fatalities reported due to winter storms and cold waves alone; In total, there were about 770 total U.S. fatalities due to natural disasters.

Tornados, floods, wildfires, earthquakes, winter storms and hurricanes often claim lives and cause great destruction to personal property, and we see more extreme weather events each year. In 2021 alone, the U.S. also saw $92 billion in insured losses so it makes sense to assume that there were billions in losses for the uninsured too – losses the victims probably had to shoulder alone if they didn’t have homeowners insurance.

Here are more natural disasters insights and relevant insurance information to help you protect yourself and your family.

Which Natural Disaster Claimed the Most Lives in the U.S in 2021?

Where you live dictates how prone you are to property losses and the danger of fatalities. Whether you’re in a cold climate or a hot one, or one that tends to see strong winds, there is a peril that is common where you live.

The following numbers of fatalities and associated perils is based on The Weather Channel’s records for 2021:

Natural Disasters in the U.S

Fatalities

Covered by Homeowners Insurance?

Flood

146

No, you must buy a separate policy

Lightning

11

Yes

Tornado

104

Yes

Hurricane

12

Yes, but there is a separate hurricane deductible in states prone to hurricanes

Heat

190

Yes, in the case of fire, subsidence and broken electronics

Winter

40

Yes, in the case of freezing pipes, heavy snow

Cold

106

Yes, in the case of freezing pipes

Wind

56

Yes

In 2021, there were about 770 total U.S. fatalities due to natural disasters.

Which States Had the Most Losses From Natural Disasters?

Extreme weather events are expensive for everyone, whether it’s the homeowner who loses everything, including the car, or the insurer who will have to pay out many people in a devastated area, causing insurance prices to increase for everyone in that area as well.

See how many injuries and fatalities there were in 2001 alone. The property losses around the country are also staggering, with $92 billion worth of insured damages paid out by insurance companies in one year!

Keep in mind that property losses to people who had no homeowners or renters insurance was not at all figured into these already shocking numbers, which would perhaps double if all was included:

State

Fatalities

Injuries

Total Insured Property Loss (in Millions)

Alabama

22

1

9.08

Alaska

0

10

8.21

Arizona

61

9

105.04

Arkansas

2

9

31.77

California

30

28

300.89

Colorado

18

33

801.17

Connecticut

1

2

7.72

Delaware

2

6

3.60

District of Columbia

0

5

.74

Florida

33

31

48.86

Georgia

3

32

39.12

Hawaii

1

2

52.82

Idaho

6

29

6.06

Illinois

14

19

39.13

Indiana

5

6

54.79

Iowa

1

2

48.10

Kansas

5

4

13.67

Kentucky

81

622

413.16

Louisiana

13

12

1,2661.78

Maine

2

0

5.28

Maryland

5

8

11.45

Massachusetts

1

4

9.35

Michigan

0

14

185.80

Minnesota

3

5

43.31

Mississippi

7

16

50.12

Missouri

6

36

20.64

Montana

2

2

7.01

Nebraska

0

2

167.54

Nevada

9

4

3.50

New Hampshire

1

3

5.72

New Jersey

29

28

238.56

New Mexico

6

13

24.02

New York

19

10

522.44

North Carolina

13

29

220.77

North Dakota

0

0

10.23

Ohio

8

2

10.73

Oklahoma

2

46

7.91

Oregon

126

4

26.47

Pennsylvania

10

16

402.40

Rhode Island

2

0

2.15

South Carolina

2

2

2.62

South Dakota

0

1

118.18

Tennessee

38

58

186.26

Texas

103

130

1,852.15

Utah

16

18

25.55

Vermont

1

3

7.79

Virginia

3

11

15.41

Washington

17

7

85.06

West Virginia

0

2

3.39

Wisconsin

8

6

12.25

Wyoming

5

1

2.96

*Note that some states had unexpected losses like the wildfires that burned hundreds of homes in Colorado and the snow dumped on Texas by Winter Storm Uri. The 2022 $9 billion loss in Florida caused by Hurricane Ian was not tallied in these 2021 findings.

The property losses around the country are staggering, with $92 billion worth of insured damages paid out by insurance companies in one year!

Worst Hurricane Fatalities, Injuries and Losses

Hurricane Katrina had a mindblowing number of fatalities, 1,800 deaths, but the insured property loss of almost $90,000 is nothing compared to the $67 billion in insured losses from Hurricane Ian, which claimed 101 lives.

Year

Storm

Insured Property Losses (value today)

Fatalities

Injuries

2005

Hurricane Katrina

$89,680

1,836

7,500

2022

Hurricane Ian

$67,000,000,000

101

*

2021

Hurricane Ida

$36.000

107

*

2012

Hurricane Sandy

$35,140

147

706

2017

Hurricane Harvey

$33,110

103

*

*Numbers of injuries were not reported for Hurricanes Ida and Harvey by World Vision or other trustworthy sources.

Get Multiple Quotes From Top Companies for Catastrophe Home Insurance Plan.

The Top 10 Deadliest Natural Disasters in American History

Whether it was an earthquake, an ice storm, a heat wave or hurricane, the following natural disasters cost billions and took thousands of lives. In many of these events, only survivors who were insured were able to rebuild their lives right away:

Storm

Date

Property Damages

Fatalities

Winter Storm Uri

February 13-17, 2021

$195.6 billion

246

Hurricane Katrina 

August 29, 2005

$150 billion 

1836

Hurricane Galveston

September 8, 1900

$105 billion 

8,000-10,000

Dust Bowl 

1930s

$100 billion

3,000

Hurricane Ida  

August 26, 2021

$65 billion 

107

Heat Wave of 1988

Summer 1988

$61 billion

5,000

Hurricane Ian 

September 29, 2022 

$67 billion

101

Heat Wave of 1980 

Summer 1980

$48 billion

1,700

Great San Francisco Fire and Earthquake 

April 18, 1906

$30 billion

3,000

Lake Okeechobee Hurricane 

September 16, 1928

$18 billion

2,500

If a natural disaster strikes your area, it’s easier to rebuild your life if you have homeowners insurance.

Common Disasters in Each State and Insurance That Pays for Losses

Some common disasters, like floods and earthquakes, have their own insurance products, so don’t expect homeowners insurance to cover damage related to those perils. A DIC policy is also sold separately for regions prone to landslides.

State

Common Disasters 

Insurance Coverage for Your Region

Alabama

Severe storms, tropical storms and hurricanes, floods, wildfires, tornadoes, extreme heat, landslides,

Homeowners insurance (with a separate hurricane deductible), flood insurance

Alaska

Earthquakes, volcanic eruptions, submarine landslides, or onshore landslides

Homeowners, earthquake insurance, DIC policy for landslides

Arizona

Lightning, strong winds, flooding, and dust storms

Homeowners insurance, flood insurance

Arkansas

Tornadoes, widespread wind damage, flash flooding, and heavy snow/ice

Homeowners insurance, and flood insurance

California

Wildfires, floods, landslides and mudslides, earthquakes, and tsunamis

Homeowners insurance, flood insurance, earthquake insurance, and DIC policy

Colorado

Droughts, wildfires, floods, and tornadoes

Homeowners insurance, and flood insurance

Connecticut

Severe thunderstorms, flash floods, snowstorms, hurricanes and tornadoes

Homeowners insurance (with a separate hurricane deductible), flood insurance

Delaware

tropical storms and hurricanes, nor'easters, winter storms, severe thunderstorms, floods, and extreme heat

Homeowners insurance (with a separate hurricane deductible), and flood insurance

District of Columbia

Wildfires, floods, severe storms, landslides, earthquakes, tsunamis, droughts, and volcanoes

Homeowners insurance, DIC policy, earthquake insurance, volcanic eruption insurance, and flood insurance

Florida

Tropical storms, hurricanes, tornadoes, wildfires, and floods

Homeowners insurance (with a separate hurricane deductible), and flood insurance

Georgia

Hurricanes, tornadoes, severe storms, wildfires and floods

Homeowners insurance (with a separate hurricane deductible), and flood insurance

Hawaii

Tropical storms, volcanic eruptions, hurricanes, earthquakes, landslides, and tsunamis

Homeowners insurance (with a separate hurricane deductible), earthquake insurance, DIC policy and flood insurance

Idaho

Wildfires, winter storms, drought, landslides, earthquakes, and flooding

Homeowners insurance, DIC policy, earthquake insurance and flood insurance

Illinois

Thunderstorms, tornadoes, lightning, floods and flash floods, damaging winds and large hail

Homeowners insurance and flood insurance

Indiana

Severe storms, floods, winter storms, tornadoes, and landslides

Homeowners insurance, flood insurance and a DIC policy.

Iowa

Tornados, winter storms, snow storms, and floods

Homeowners insurance and flood insurance.

Kansas

Severe storms, floods, tornadoes, winter storms, wildfires, and landslides

Homeowners insurance, flood insurance and a DIC policy

Kentucky

Drought, flood, wildfires, hail, tornados, earthquake, extreme heat, winter storms, and extreme cold

Homeowners insurance, earthquake insurance, and flood insurance.

Louisiana

Floods, hurricanes, severe storms, tornadoes, extreme heat and drought, wildfires, ice storms, and landslides

Homeowners insurance (with a separate hurricane deductible), flood insurance and a DIC policy

Maine

Severe storms, floods, winter storms, hurricanes, landslides, and drought

Homeowners insurance (with a separate hurricane deductible), flood insurance, DIC policy

Maryland

Floods, hurricanes, severe storms, winter storms, tornadoes, wildfires, landslides, and extreme heat

Homeowners insurance (with a separate hurricane deductible), flood insurance and a DIC policy

Massachusetts

Severe storms, hurricanes, winter storms, floods, wildfires, landslides, and tsunamis

Homeowners insurance (with a separate hurricane deductible), flood insurance, DIC policy

Michigan

Floods, severe storms, winter storms, wildfires, and tornadoes

Homeowners insurance, flood insurance

Minnesota

Floods, severe storms, tornadoes, wildfires, winter storms, heat waves, and landslides

Homeowners insurance, flood insurance and a DIC policy

Mississippi

Severe storms, hurricanes, extreme heat and drought, tornadoes, floods, wildfires, winter storms, landslides, and earthquakes

Homeowners insurance (with a separate hurricane deductible), flood insurance, DIC policy, earthquake insurance

Missouri

Severe storms, floods, severe winter weather, tornadoes, and earthquakes

Homeowners insurance, flood insurance and earthquake insurance

Montana

Wildfires, floods, winter storms, severe storms, extreme heat and drought, earthquakes, landslides, and tornadoes

Homeowners insurance, earthquake insurance, flood insurance DIC policy

Nebraska

Severe storms, floods, tornadoes, winter storms, heat waves, and drought

Homeowners insurance, possibly with a wind deductible, flood insurance

Nevada

Wildfires, floods, earthquakes, heatwaves and drought, extreme winter weather, severe storms, and landslides

Homeowners insurance, flood insurance, earthquake insurance and DIC policy

New Hampshire

Severe storms, floods, winter storms, hurricanes, nor'easters, wildfires, landslides and tornadoes

Homeowners insurance (possibly with a separate wind deductible) flood insurance, DIC policy

New Jersey

Severe storms, tropical storms and hurricanes, floods, winter storms, wildfires, extreme heat, drought, and landslides

Homeowners insurance (with a separate hurricane deductible), flood insurance, DIC policy

New Mexico

Wildfires, floods, severe storms, extreme heat and drought, landslides, winter storms, tornadoes, earthquakes, volcanos and tropical storms

Homeowners insurance, flood insurance, volcanic eruption insurance, DIC policy, and earthquake insurance, 

New York

Severe storms, floods, winter storms, tropical storms, and wildfires

Homeowners insurance, with a separate hurricane deductible, flood insurance

North Carolina

Tropical storms and hurricanes, severe storms, floods, wildfires, winter storms, tornadoes, tsunamis, extreme heat and drought, and landslides

Homeowners insurance (with a separate hurricane deductible), flood insurance, and DIC policy

North Dakota

Floods, severe storms, winter storms, wildfires, extreme heat and drought, tornadoes, and landslides

Homeowners insurance, flood insurance, DIC policy

Ohio

Severe storms, floods, tornadoes, winter storms, and landslides

Homeowners insurance, flood insurance, DIC policy

Oklahoma

Wildfires, severe storms, tornadoes, floods, winter storms, extreme heat, and droughts

Homeowners insurance, flood insurance

Oregon

Wildfires, severe storms, floods, droughts, earthquakes, winter storms, tsunamis, volcanoes and landslides

Homeowners insurance, flood insurance, earthquake insurance, volcanic eruption insurance, DIC policy

Pennsylvania

Floods, severe storms, tropical storms, winter storms, tornadoes, landslides, wildfires, and earthquakes

Homeowners insurance (with a separate hurricane deductible), DIC policy, and earthquake insurance

Rhode Island

Tropical storms and hurricanes, winter storms, severe storms, floods, earthquakes, landslides, tsunamis, and wildfires

Homeowners insurance (with a separate hurricane deductible), flood insurance, and DIC policy 

South Carolina

Hurricanes, severe storms, floods, wildfires, extreme heat and drought, tornadoes, tsunamis, earthquakes, and landslides

Homeowners insurance (separate hurricane deductible), earthquake insurance, flood insurance and DIC policy

South Dakota

Severe storms, floods, winter storms, droughts, tornadoes, wildfires, landslides, and earthquakes

Homeowners insurance, DIC policy and earthquake insurance

Tennessee

Severe storms, thunder and lightning, heavy rains, hail, ice storms, winter storms with heavy snow, tornadoes, floods, wildfires, landslides, earthquakes, and tropical storms

Homeowners insurance, flood insurance, DIC policy, and earthquake insurance

Texas

Wildfires, floods, hurricanes, severe storms, tornadoes, extreme heat, and landslides

Homeowners insurance (with a separate hurricane deductible), flood insurance, and DIC policy

Utah

Wildfires, earthquakes, floods, severe storms, winter storms, extreme heat, and drought

Homeowners insurance, earthquake insurance, flood insurance

Vermont

Severe storms, floods, winter storms, tropical storms, hurricanes, and landslides

Homeowners insurance, flood insurance, and DIC policy

Virginia

Severe storms, tropical storms, floods, wildfires, tornadoes, winter storms, extreme heat, landslides, drought, and earthquakes

Homeowners insurance (with a separate hurricane deductible), flood insurance, DIC policy, and earthquake insurance

Washington

Wildfires, floods, severe storms, landslides, earthquakes, tsunamis, droughts, and volcanoes

Homeowners insurance, flood insurance, DIC policy, earthquake insurance, volcanic eruption insurance

West Virginia

Floods, severe storms, winter storms, wildfires, and landslides

Homeowners insurance, flood insurance, and DIC policy

Wisconsin

Severe storms, floods, tornadoes, winter storms, extreme heat and drought, wildfires, and landslides

Homeowners insurance, flood insurance, and DIC policy

Wyoming

Wildfires, floods, severe storms, landslides, droughts, winter storms, and earthquakes

Homeowners insurance, DIC policy and earthquake insurance

Tornados, floods, wildfires, earthquakes, winter storms and hurricanes often claim lives and cause great destruction each year.

Natural Disasters FAQs

What is the most common natural disaster?

Floods are the most common natural disaster. Floods are caused by heavy rainfalls, melting snow or storm surges from coastal regions.

What’s the hardest natural disaster to predict?

Earthquakes are the hardest natural disaster to predict and can therefore be deadly. Earthquakes are not covered in standard home insurance policies; You must buy a separate policy.

Where do natural disasters happen most often?

California is the state with the most natural disasters, with 284 federally declared disasters since 1953.

Does Homeowners insurance cover natural disasters?

Homeowners insurance covers many, but not all, natural disasters. Flood insurance and earthquake insurance are sold separately and so are DIC policies, if you live in a region prone to mudslides and landslides.

Key Takeaways

  • There is a type of insurance for most natural disasters, and homeowners insurance covers many of them.
  • Catastrophic natural disasters can happen in any state.
  • Rebuilding after a natural disaster is expensive, so it’s important to be insured with the right products and the right carrier.

If a natural disaster strikes your area, it’s easier to rebuild your life if you have homeowners insurance. If you’re not covered or if you’re looking to buy a more comprehensive policy without paying too much, compare rates. You may even end up saving hundreds of dollars if you’ve never filed a claim or missed payments. Start receiving your free home insurance quotes after entering your zip code below and answering a few questions.

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