All states
High-value home insurance by state
Catastrophe exposure, wind deductibles, last-resort limits and mitigation programs for expensive homes in every state. Click a state for the details and sources.
By Sam Alishahi · Reviewed October 2026
| State | Main catastrophe exposure |
|---|---|
| Alabama | Severe thunderstorms and tornadoes are Alabama's most frequent billion-dollar disasters statewide, and hurricanes and… |
| Alaska | Earthquake is Alaska's defining catastrophe risk. The magnitude 9.2 Great Alaska Earthquake of March 27, 1964,… |
| Arizona | Drought (16 events) and wildfire (14) make up most of the 34 billion-dollar weather disasters NOAA counted for Arizona… |
| Arkansas | Severe thunderstorms with tornadoes and hail are by far Arkansas's most frequent billion-dollar disasters, followed by… |
| California | Wildfire, earthquake and a shrinking voluntary market; see the California high-value home page. |
| Colorado | Hail-producing severe storms cause most of Colorado's billion-dollar disasters (42 of 76 from 1980 to 2024), and… |
| Connecticut | Winter storms are Connecticut's most frequent billion-dollar disasters, while tropical storms and hurricanes such as… |
| Delaware | Winter storms and nor'easters are Delaware's most frequent billion-dollar disasters, followed by tropical storms and… |
| Florida | Hurricanes dominate Florida's catastrophe risk, accounting for about 94% of the cost of its billion-dollar disasters… |
| Georgia | Severe storms with tornadoes and hail are Georgia's most frequent billion-dollar disasters, and hurricanes are the… |
| Hawaii | Hawaii's main exposures for expensive homes are hurricanes, wildfire (as in the August 2023 Maui fires), tsunami and… |
| Idaho | Wildfire, flooding and severe storms are Idaho's most common natural disasters. The state also has real earthquake… |
| Illinois | Illinois homes face severe thunderstorms with hail and damaging wind, tornadoes, flooding and severe winter storms.… |
| Indiana | Severe storms (tornadoes, hail and damaging wind) account for 72 of the 100 billion-dollar weather disasters that… |
| Iowa | Iowa's main exposures are severe convective storms (hail, straight-line wind and derechos), tornadoes, river flooding… |
| Kansas | Kansas homes are most exposed to hail, tornadoes and straight-line wind, along with flooding, winter storms and… |
| Kentucky | Kentucky's main exposures are tornadoes and severe thunderstorms with hail and wind (such as the December 11, 2021… |
| Louisiana | Louisiana's dominant exposures are hurricanes and tropical storms with storm surge, and heavy-rain and river flooding.… |
| Maine | Maine's main exposures are nor'easters and winter storms (wind, heavy snow and ice), coastal storm surge and flooding,… |
| Maryland | Maryland's main exposures are hurricanes and tropical storms with storm surge on the Chesapeake Bay and Atlantic… |
| Massachusetts | Winter storms (including nor'easters) and severe storms each account for about a third of the billion-dollar weather… |
| Michigan | Severe thunderstorms with wind, hail and tornadoes make up about two-thirds of the billion-dollar weather disasters… |
| Minnesota | Severe storms, chiefly hail and damaging wind, account for about 60% of the billion-dollar weather disasters that have… |
| Mississippi | Severe storms (tornadoes, hail and wind) and tropical cyclones dominate Mississippi's billion-dollar weather disasters… |
| Missouri | Severe storms with hail, damaging wind and tornadoes make up about two-thirds of Missouri's billion-dollar weather… |
| Montana | Wildfire and drought are Montana's most frequent billion-dollar disaster types since 1980, each accounting for about… |
| Nebraska | Severe storms with hail, wind and tornadoes make up about two-thirds of Nebraska's billion-dollar weather disasters… |
| Nevada | Wildfire is the main catastrophe exposure for expensive homes in the Lake Tahoe basin and the foothills around Reno,… |
| New Hampshire | Winter storms make up 11 of the 21 billion-dollar weather disasters that affected New Hampshire from 1980 to 2024,… |
| New Jersey | Tropical cyclones cause about 82% of the damage from New Jersey's billion-dollar weather disasters since 1980, even… |
| New Mexico | Wildfire is the leading catastrophe exposure, and burned slopes raise the risk of flash flooding and debris flows… |
| New York | Hurricanes and coastal storms are the main catastrophe exposure for expensive homes, concentrated along about 135… |
| North Carolina | Hurricanes and tropical storms are the main catastrophe exposure, on the coast and well inland. Tropical Storm Helene… |
| North Dakota | Spring snowmelt and river flooding, including along the Red River at Fargo and the Souris at Minot, along with ice… |
| Ohio | The state hazard mitigation plan ranks flooding as Ohio's greatest natural hazard, followed by winter storms, severe… |
| Oklahoma | Hail, tornadoes and severe thunderstorm wind are the dominant catastrophe exposures. The Oklahoma Insurance Department… |
| Oregon | Wildfire and earthquake are the defining exposures. The Cascadia Subduction Zone, 70 to 100 miles offshore, can… |
| Pennsylvania | Severe storms account for 64 of the 114 billion-dollar weather disasters that affected Pennsylvania from 1980 to 2024,… |
| Rhode Island | Hurricanes and nor'easters are the main catastrophe exposures, bringing wind, storm surge and coastal flooding along… |
| South Carolina | Hurricanes and tropical storms on the coast are the dominant exposure, bringing wind, storm surge and flooding. This… |
| South Dakota | Severe storms (15 events) and drought (13) make up most of the 36 billion-dollar weather disasters that affected South… |
| Tennessee | Tornadoes are Tennessee's signature catastrophe. On the night of March 2-3, 2020, ten tornadoes touched down across… |
| Texas | Texas faces the broadest set of exposures in the country: severe storms (hail, tornadoes, wind) caused 126 of its 190… |
| Utah | Wildfire and drought are Utah's leading weather-related disaster types, and earthquake is a major exposure: the… |
| Vermont | Flooding is Vermont's most damaging recent catastrophe. On July 10-11, 2023, 3 to 9 inches of rain fell across the… |
| Virginia | Severe storms are Virginia's most frequent billion-dollar disaster type, followed by hurricanes and tropical storms… |
| Washington | Wildfire and drought are Washington's leading billion-dollar disaster types, and earthquake is the defining risk west… |
| West Virginia | Severe storms and winter storms account for most of West Virginia's billion-dollar disasters. Flash flooding is common… |
| Wisconsin | Severe storms account for 44 of the 63 billion-dollar weather disasters that affected Wisconsin from 1980 to 2024,… |
| Wyoming | Drought, severe storms (especially hail) and wildfire are Wyoming's billion-dollar disaster types, and heavy snow and… |
General information, not legal advice. Rules change; each state page links to the agency to confirm with. Free to cite with a link to this page.
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