Natural Disaster Statistics 2022: Which Insurance Should You Have in Your State?
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COSTA MESA, Calif. - Californer -- 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

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.

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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. https://smartfinancial.com/natural-disasters-statistics