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While coastal communities face the highest hurricane risk, even inland regions can feel the impact of a strong storm. Heavy flooding and high winds can damage property and force you out of your home, making hurricanes one of the most expensive disasters to recover from in the United States. Peak hurricane season takes place from June through November, with storms capable of reaching hundreds of miles in a single sweep.

Wildfires are most common in the western U.S., where hot, dry conditions make it easier for fires to start and spread. Once they begin, fires spread rapidly and are often difficult to control, sometimes burning for weeks or even months. Homeowners in the path of a wildfire are encouraged to evacuate early due to unpredictable fire patterns, as flames can damage nearby homes, infrastructure and land.

Tornadoes are most common in Midwestern states known as “Tornado Alley” from April through June, but they can show up in any state at any time of year. These fast-forming storms often develop alongside severe thunderstorms and can produce winds exceeding 100 mph. They may only last a few minutes, but that’s enough time to leave behind a path of destruction. Even if a home isn’t directly in the path of a tornado, flying debris can still damage nearby property.

The West Coast is most prone to seismic activity, with active fault lines like the San Andreas Fault triggering minor earthquakes regularly and contributing to larger events over time. Earthquakes cause damage from the ground up, impacting property in seconds. Unlike other natural disasters, earthquakes are difficult to predict and often come with little to no warning, leaving homes at risk of property loss and damages in the blink of an eye.

Gas explosions aren’t tied to a specific region and can happen anywhere a gas leak is present. While gas leaks don’t always lead to an explosion, gas can build up and ignite under the right conditions, causing sudden damage to a home. Open flames, appliances and electrical devices are often what sparks an explosion, while damaged or improperly installed gas lines are often the source of the leak.

Winter storms in the U.S. peak between December and February, though stray storms are still possible outside of the traditional winter season. Southern states don’t experience winter conditions as often as the Midwest and Northeast, but these same states are also less equipped to handle severe conditions. No matter where you live, heavy snow and ice, strong winds and freezing temperatures can cause structural damage to homes, including collapsed roofs, frozen pipes and downed power lines.

Dust storms are most common in dry, drought-prone regions, including the Southwest and Great Plains. High winds lift loose soil into the air, carrying dirt and debris that can damage a home’s roof, siding and other exterior elements. They can also be difficult to clean up after, creating ongoing challenges for homeowners.