The past year has seen a surge in catastrophic weather events across the U.S., with Southern California experiencing severe wildfires in January 2025, causing an estimated $150 billion in damage so far and claiming at least 11 lives. Hurricane Milton struck Florida in October 2024, causing $50 billion in damage. Hurricane Helene devastated North Carolina in September with severe flooding. While the South and Midwest have handled heat waves and tornado outbreaks.
It all makes it seem that much more pressing to make sure your insurance coverage is up to date — but for some regions, insurance may be hard to find precisely because of the natural risks typical to the area, making insurance companies averse.
