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Disasters + Preparedness

The homeowner's severe cold weather survival guide

Much of North America experiences periods of severely cold weather and is susceptible to snow and ice storms—extreme conditions that can inflict considerable damage on homes and create liability risks. Standard homeowners policies will cover most disasters that result from a freeze—but when the weather outside is frightful, it's better to minimize the potential risks. Here's how.

Wildfires: State of the Risk

Record-breaking wildfires across the Northern Hemisphere have been making headlines, so it may be surprising to learn that U.S. wildfire frequency and severity for 2023 are on track to be the lowest in the past two decades. In fact, while recent years have seen individual events that smashed historical records, the 24-year national trend has been downward.

Mitigating risks for climate-related disasters

Each year across the United States, weather-related disasters result in loss of life and cause billions of dollars in property damage. Some events can be predicted, such as hurricanes, allowing you time to prepare your family and home, while other weather-related events evolve rapidly and need a quick response.

Thunderstorms and Lightning

Thunderstorms are the most common weather event in the country, and by definition always include lightning. Approximately 10,000 thunderstorms occur annually, making the risk of damage from lightning quite high.

Convective Storms: State of the Risk

Severe convective storms are among the most common, most damaging natural catastrophes in the United States. The result of warm, moist air rising from the earth, they manifest in various ways, depending on atmospheric conditions—from drenching thunderstorms with lightning, to tornadoes, hail, or destructive straight-line winds. Recent years have seen an increase in organized lines of thunderstorms with widespread damaging winds, known as derechos. As of late September 2023, U.S.

Flood: State of the Risk

The devastation wrought by Hurricane Helene across a 500-mile swath of the U.S. Southeast, including Florida, Georgia, the Carolinas, Virginia, and Tennessee, is just the latest example in recent years of the growing vulnerability of inland areas to flooding from both tropical storms and severe convective storms. These events also highlight the scale of the flood-protection gap in non-coastal areas.

Hurricanes: State of the Risk

Hurricanes

A distinguishing feature of the 2023 Atlantic hurricane season is a tug-of-war between a shift from cool- to warm-water conditions in the central Pacific Ocean and exceedingly warm tropical Atlantic waters. These warming conditions are part of a global pattern that is now outpacing anything seen in four decades of satellite observations.

Wildfire evacuation: Insurance for additional living expenses

Learn about insurance coverage for additional living expenses in the event of a wildfire evacuation.

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Building for wildfire resilience

Learn how to make your property resilient against wildfires.

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Wildfire reality check: Tips for protecting your home

 

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Minimizing Winter Weather Risks

Follow these safety tips for minimizing winter weather risks.

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