Your life can change in the blink of an eye.
With the 2025 destructive spring tornado season underway, and Hurricane Season approaching the Federal Alliance for Safe Homes (FLASH)® is offering the Strong Homes Scale (Scale), a groundbreaking new tool designed to help homeowners assess their home’s ability to withstand six natural disasters.
On March 25, 2025 the Federal Alliance for Safe Homes (FLASH)® launched Strong Homes Scale (Scale), a groundbreaking new tool designed to help homeowners assess their home’s ability to withstand six natural disasters, including earthquakes, floods, hurricanes, tornadoes, wildfires, and winter storms. The Scale and new tools are part of the enhanced InspectToProtect.org platform that empowers users with information to answer the questions, “How will my home hold up in a disaster?” and “How can I make it stronger?”
The nonprofit Federal Alliance for Safe Homes (FLASH) invites experts to submit presentations for consideration by the National Disaster Resilience Conference (NDRC24) committee. Set to take place from November 20 to 22, 2024, in Clearwater Beach, Florida, the conference seeks to explore innovative approaches and programs that drive advancements in resilience policy, practice, science, and engineering.
Preparing for potential disasters is crucial no matter where you call home. Families can enhance their safety and home resilience by using these free and low-cost ways to strengthen their homes against a variety of perils. From earthquakes and extreme heat to floods, hail, hurricanes, tornados, and wildfires, these top mitigation strategies are accessible on the nonprofit Federal Alliance for Safe Homes (FLASH) website FLASH.org.
The nonprofit Federal Alliance for Safe Homes (FLASH) revealed the names of the five finalists for the 2024 National Weatherperson of the Year award. This annual accolade acknowledges exceptional weather professionals who exhibit exemplary leadership in advocating for disaster safety and resilience.
The nonprofit Federal Alliance for Safe Homes (FLASH) is offering 21 tips to keep families safe and warm when the power goes out and freezing temperatures arrive.
Foam, Dome & Drip – Affordable Ways to Protect Your Home
For as little as $1 per 6’ of insulation, you can stop pipes from freezing during winter and even when the power goes out.
Damage to your home can have a significant impact on you, your family, and your friends. It’s best to have a plan for how to re-enter your home safely before a hurricane, tornado, flood, or other storm strikes.
The greatest threat to personal safety exists during a storm and in the immediate aftermath. Use this checklist for what to do after the storm to minimize potential harm.
If your home is damaged by a covered peril, you will need to notify your insurance company as soon as possible. All companies have toll-free telephone numbers for claims reporting, and most have company websites and app with online claims reporting options.
An insurance policy is a contract between you and your insurance company, so there are rules and procedures that you and your insurer must follow. The best way to understand your role is to read your insurance policy.
Installing and maintaining carbon monoxide detectors, smoke alarms, and fire extinguishers in your home can make the difference between life and death because they will alert you when toxic fumes and dangerous fires are present and help you put out a fire.
Homeowners insurance protects your home and everything in it from accidental and unexpected incidents. If something catastrophic occurs, you will need to provide a list of everything that was in the house, and in some cases, even photographic evidence of valuable possessions.
Here’s how to create a home inventory that will make future insurance claims run smoothly:
For more expensive items, store receipts electronically in a folder backed up to the cloud, on a flash drive, or in a written physical record along with other essential documents in a sealed waterproof bag.
If you are keeping a physical record, keep a copy in your “go bag” in case you have to evacuate.
Take advantage of all product warranties by registering your new appliances and products. That way you can get helpful information about the product for an insurance claim.
Keep the name, telephone number, email, and web address of your insurance agent and/or company in a safe place, including on your computer or on your phone.
Contact your home insurance company or agent and request a policy review. Use the insurance checkup checklist to make sure you have the right financial resources to rebuild, recover, and bounce back from any disaster.
Update your home inventory regularly and read your insurance policy carefully to understand what is and isn’t covered (deductibles, general and specific limits, flood coverage, etc.).
If you must evacuate the area, notify your insurance company and verify what your insurance policy will cover for temporary lodging.
For more information about insurance, check out A Homeowner’s Insurance Guide to Natural Disasters for an introduction to mitigation and policy benefits, limitations, and ways to save with credits and discounts.
FLASH and The Actuarial Foundation. If Disaster Strikes, Will You Be Covered? A Homeowner’s Insurance Guide to Natural Disasters.
While adequate insurance coverage is essential to disaster recovery, premiums can present a significant expense for homeowners. Premiums may increase over time with inflation, increased costs of construction, or other factors; however, it is possible to reduce potential costs.
In addition to the premium, you’ll need to account for the deductible — the amount of your claim that you pay before any payment is made by your insurance company. The larger your deductible is, the lower your premium will be. However, the larger the deductible, the more out-of-pocket payment you will be responsible for when a loss occurs.
Dollar deductibles: A dollar deductible is the dollar value the insured must pay before the insurance company will pay the remainder of the claim. For example, with a $500 standard deductible, the policyholder must pay the first $500 out of pocket. Some insurers offer policies with higher dollar deductibles for hurricane and earthquake damage. The higher the deductible for a given policy, the lower the premium. This is because the insured is bearing more of the risk.
Percentage deductibles: Percentage deductibles are calculated based on the home’s insured value. For example, if a house is insured for $100,000 and has a 2% deductible, the first $2,000 (or 2% of the insurance value of $100,000) of a claim must be paid by the policyholder. In many states, policyholders have the option of paying a higher premium if they prefer a traditional dollar deductible instead of a percentage deductible or if they prefer to have a lower percentage deductible. Percentage deductibles are sometimes mandatory. It is important to remember that the dollar value of a percentage deductible will change as the insured value changes.
Here are some options for saving money on your homeowners insurance.
A policy may have different types and amounts of deductibles based on the peril. Many insurers offer homeowners insurance policies with percentage deductibles for windstorm damage instead of the traditional dollar value deductibles used for other types of claims, such as fire and theft.
One of the more common percentage deductibles is the hurricane percentage deductible that applies to damage solely from hurricanes. For example, a policyholder may have a $1,000 deductible for fire losses, but a 2% deductible for hurricane losses, making the hurricane percentage deductible a significant part of the policy. An earthquake policy with an additional third deductible could differ from all other deductibles for the insured property, as well.
Premium discounts vary widely by state and company. Secure price quotes from more than one source before choosing a policy, and use the list below to request potential discounts. This list is not exhaustive, so you may qualify for additional discounts.
How do you make sure that you can insure your home against disasters like hurricanes and floods? The location of a property can be a primary factor of insurance availability. Homes located in areas with greater exposure to losses due to a particular peril pay a higher cost for coverage than areas less exposed to that peril.
Insurance premiums for homes in the Midwest may reflect a higher cost due to tornado coverage. It may be difficult to find available or affordable coverage in the voluntary market for homes with greater exposure to wildfires, such as those in designated brush zones in California. It is essential to evaluate the insurability of a property before purchasing a new home.
Another factor that affects the availability of insurance is a pending event. For example, if a hurricane or a wildfire is approaching, insurance companies will often issue a temporary prohibition on issuing coverage, and no new coverage can be written in the area threatened by the peril until the threat passes.
Consider possible perils and how they might affect the availability of insurance when you’re shopping for a home or adding coverage to your current property.
Homeowners who live on or near major faults are vulnerable to earthquakes, and the soil type in certain areas may be more susceptible to earthquake damage. As a result, the closer a home is to a fault line, or if it sits on certain susceptible soil types, the more limited insurance options may be because of the risk of earthquake loss.
Recent earthquake activity can also determine earthquake insurance availability. As more earthquakes occur, insurance companies are likely to experience significant claims from earthquakes and may become financially distressed. These companies may find it difficult to provide coverage to the same volume of policyholders which can cause an overall availability problem. In certain areas, state associations are established to ensure insurance availability in constricted markets. These publicly run entities provide insurance coverage when availability and affordability problems arise.
Homes in coastal areas of the U.S. are more exposed to hurricanes than homes further inland. As a result, homeowners in these areas may have fewer choices for hurricane insurance. Frequent storm activity can constrict hurricane insurance availability and markets. As with earthquakes, publicly run entities typically fill gaps in the market and may provide insurance coverage when availability and affordability problems occur.
Homeowners can encounter insurance availability problems due to the location of their home as described above. However, if a home has unusually hazardous features, insurance companies may be unwilling to provide coverage regardless of location.
Some of the features considered hazardous include inferior construction, a low-performing roof shape or roof covering, an unbolted frame, an unsecured chimney and/or water heater, or structurally weak features such as awnings or other exterior ornamentation. Additionally, older homes that do not meet current building codes and poorly maintained homes may be difficult to insure.
Homeowners can ensure the insurability of their home by keeping the property current to local and modern model building codes, by performing regular home maintenance, and by implementing loss mitigation measures. Homeowners may also evaluate their insurance options by staying informed of changes in the local insurance marketplace.
Guaranteeing you’re adequately insured and protected before a disaster is critical. You can start by checking your coverage options, property definitions, and the extent of coverage available. Options will vary by state, company, and product.
Here’s everything you need to know about your choices of home insurance for disasters.
Insurance companies define four coverage categories for your home:
A peril, as referred to in an insurance policy, is a cause of damage that results in an insured loss of property, such as fire or theft. Coverage can be provided on an “all perils” (open perils) basis or a “named perils” basis. Named perils policies list what is covered by the policy and are generally more restrictive. All perils policies list what is excluded from coverage. A dwelling policy usually provides coverage for both the dwelling and its contents on a named perils basis. A homeowners policy usually provides coverage for the dwelling on an all perils basis and coverage for the contents on a named perils basis.
A package policy provides coverage for multiple, but usually not all, perils. A homeowners policy is a package policy that provides coverage for fire, lightning, extended coverages, and personal liability. Extended coverage includes coverage for windstorm, hail, explosion, riot, civil commotion, aircraft, vehicles, smoke, vandalism, malicious mischief, theft, and breakage of glass. Some policies, such as earthquake or flood policies, provide coverage for specific perils that are often excluded in package policies. Fire and water damage from an earthquake may be covered by a standard homeowners policy.
It is important to consider what additional perils you may face and verify what is covered by your specific policy. Consult with your insurance company about perils you may face and what perils are covered by your policy.
Depending on the type of policy, dwelling coverage options could include replacement cost coverage, actual cash value, special payment, functional replacement cost or market value coverage, or stated value.
The settlement of a loss will vary depending on the coverage you select when you purchase your policy.
Depending on the type of policy, personal property coverage options could be replacement cost coverage or actual cash coverage, as explained above.
Insurance-to-value ratio is the relationship of the amount of insurance purchased to the replacement value of the property. It is important to have an accurate assessment of the replacement cost value of your home. If you don’t and then experience a loss, the cost to replace your home may be more than your insurance policy will provide and you would be responsible for covering the difference. Major catastrophes, such as earthquakes, hurricanes, and wildfires, often can create a demand surge for materials and labor, resulting in increased costs to replace damaged property. Consider the effect of such surges when establishing the appropriate replacement cost for your property.
Most property policies have a coinsurance penalty, which requires that your property be insured to at least 80% of the replacement cost or loss payments will be reduced by a proportion of the insured value to 80% of replacement value.
It is also important to realize that other coverage limits within your policy are set as a percentage of the dwelling coverage amount. For example, the limit of coverage for your personal property will usually be at 50% of the dwelling limit. Additional coverage is available via endorsement and is typically increased if you purchase replacement cost coverage for your contents.
In order to qualify for replacement cost coverage, you will most likely be required to insure your property to at least 80% of the replacement cost. If this requirement is met and you have a total loss, your insurance policy will cover the total cost of replacing your home. If the property is not insured to at least the 80% value, then the payment for partial losses may be reduced. For a total loss to be paid, the property should be insured at 100% of the replacement cost.
Many insurance companies offer an endorsement that provides full coverage to replace your property in the event of a total loss. Usually, the company requires that the property be insured to at least 100% of the replacement cost in order to qualify for this additional coverage. As long as this requirement is met, if you have a total loss and it costs more to replace than your limit (due to a misestimate or demand surge), the coverage under your insurance policy will be increased accordingly. The amount of the increase depends on the endorsement purchased and can range from 25% to 100%.
Additional coverage may be included in your policy. One example is a building code upgrade, which provides 10% coverage for upgrades required by the community to meet building codes when a home is being repaired or rebuilt as a result of a covered loss. Optional coverage for perils, such as earthquake insurance, may be available to purchase to supplement your policy.
FLASH and The Actuarial Foundation. If Disaster Strikes, Will You Be Covered? A Homeowner’s Insurance Guide to Natural Disasters.
Once you and your family are prepared, consider extended family members or friends who are especially vulnerable during disasters. Pay special attention to folks with financial limitations and seniors.
You can help your broader community before, during, and after disasters by volunteering. Find an organization in your community, and participate in a class, training, or discussion. Affiliate with the organization before disaster strikes.
Local nonprofits, faith-based organizations, schools, and civic groups are all great places to begin your search. There are many ways to help your community, including delivering food to older adults or organizing your own community project. Consider any special skills you may be able to offer.
Get training in CPR and basic first aid, as well as other hazard-specific training. A financial contribution or gift to a recognized nonprofit disaster relief organization is always an effective way to support disaster recovery, and even small amounts can make a big difference.
Here are some options to get you started to support community disaster resilience:
Where will your family or household be when disaster strikes? If you are not together when an emergency happens, will everyone know how to stay in contact — even if cell towers are down and phones don’t work? Do you have a meeting place and will everyone have a way to get there?
To develop a family disaster plan, start by mapping out contact methods and meeting places. Then share and practice your plan with your family or household and out-of-town contact. While you develop your plan, keep in mind these specific household needs:
After you make your plan, all you need to do is revisit and communicate your plan regularly so you’re ready when disaster strikes.
Send links to your disaster plan and make copies for all family or household members and emergency contacts. Post a copy in a prominent place in your home like a bulletin board.
Regularly gather your family or household members to review and practice your plan. Discuss what information you would communicate during a disaster and send practice messages. Make sure all family members (including children) understand how and when to call 911.
Update your communication plan at least once a year or whenever information changes.
A natural disaster is often devastating for adults, but children can be especially vulnerable to stress and anxiety when disaster strikes. Prepare your children before a disaster and plan activities to keep them busy during and after an emergency.
Getting kids involved in the planning process and letting them plan activities will distribute the workload and give your family a sense of control.
Pets are cherished family members, so it’s essential to plan for their safety and comfort as a part of your comprehensive family disaster plan.
Take inventory of your supplies and review all records periodically so your pet can be safe and cared for during any disaster.
Consider these options for your pet’s location during a disaster.
Keep your pet prepared at all times.
Prepare your large animals such as horses, cattle, sheep, goats, or pigs before a disaster using the following tips from FEMA:
Take the extra time to observe livestock, looking for early signs of disease and injury. Severe cold-weather injuries or death primarily occur in the very young or in animals that are already debilitated.
Animals suffering from frostbite don’t exhibit pain. It may be up to two weeks before the injury becomes evident as the damaged tissue starts to slough away. At that point, treat the injury like an open wound, and consult a veterinarian.
Make sure your livestock has the following to help prevent cold-weather problems:
Nearly every home is susceptible to power outages caused by disasters. Some disruptions last for days, even weeks. Electrical power loss can create unhealthy and unsafe living conditions or building damage.
Taking steps to prepare before a power outage is the best way to maintain your family’s comfort and avoid danger, costly losses, or damage to your home. Learning how to protect food, prevent mold growth, safely use generators, prevent carbon monoxide poisoning, and avoid house fires when power returns are all essential parts of your power outage preparedness plan.
Evaluate and secure different backup power options ranging from small backup batteries and solar charging options to portable or standby generators with an automatic switch.
During or after a power outage or disaster, your food may no longer be safe to eat. Take precautions to prevent food spoilage, and know when you should dispose of refrigerated food. Food that has not been refrigerated can spoil quickly and cause severe health problems, so you should take all steps to keep it safe. Here’s how the following steps to extend the shelf life of your refrigerated food:
You can also make your home resilient to power loss by using a combination of power generation options from basic to sophisticated. Then you can provide backup power for lighting, food preservation, limited air conditioning, prevention of mold growth on interior finishes, and much more.
Consult a licensed, professional electrician to evaluate your generator purchase options. Two kinds of generators can generate emergency power in your home: permanently installed standby or “whole house” generators, and temporary, portable generators.
Ensure your generator is properly ventilated. Improperly ventilated generators can cause deadly carbon monoxide fumes to build up. The fumes are odorless and are often fatal.
You can enhance your safety and comfort during and after an emergency or disaster by planning to be self-sufficient. By creating an emergency supply kit, you’ll be able to meet your basic needs for food, water, cash, medicines, and other supplies that will last for at least 72 hours.
Once you build and maintain your disaster supply kit, you have a way to meet your family’s basic needs during a difficult time. This also helps your community by allowing emergency officials and first responders to focus on those who cannot help themselves. Make sure to make your disaster preparedness plan and practice with your family.
Plan for two scenarios when building your disaster supply kit: remaining in your home or evacuating to a safer location.
Store items in airtight plastic bags, and use 1-2 portable containers for your whole kit.
Inventory on-hand supplies, and purchase any additional items. Building and maintaining your kit over time can help offset the cost.
See more about preparing emergency supply kits specifically for people with disabilities.
Remember to replace your stored food and water every six months. Dedicate one area of your cabinet or pantry to non-perishable food like peanut butter and jelly that you continuously replace.
Make your emergency water supply a top priority. Your requirements will vary depending on age, physical condition, activity, diet, and climate.
An active person needs at least two quarts of drinking water daily, so store at least one gallon of water per person per day for a minimum of three days. This amount will provide for drinking, cooking, and sanitary needs.
Children, nursing mothers, and people with health issues will need more. Keep in mind that high temperatures can double the required water amount.
Store your water in thoroughly washed plastic, fiberglass, or enamel-lined containers. Don’t use containers that can break (like glass bottles) and never use a container that has held toxic substances. Plastic containers like soda bottles work, and camping stores offer various containers.
Seal your water containers tightly and label and store them in a cool, dark place. Put a date on each container, and change stored water every six months.
Collect your household documents and create a photographic inventory of your household contents and valuables for an efficient insurance claims process.
Secure your documents in a safe place. Store paper copies in a fireproof and waterproof box or safe at home, in a bank safe deposit box, or with a trusted friend or relative. Keep electronic copies of important documents in a password-protected encrypted format on a removable flash or external hard drive in your fireproof and waterproof box or safe, or use a secure cloud-based service.
Store your disaster supply kit, documentation, and valuables in waterproof containers away from basements or other home locations that may flood.
A disaster can occur when you are at home, work, or traveling. Prepare a kit for your home, work, and all vehicles.
Quickly changing weather and environmental conditions demand careful attention. You can stay safe by staying aware of the latest disaster events in your community in a variety of ways, including those that operate without electric power.
No matter how you receive your updates and alerts, make sure you choose more than one method so you have a backup plan during any emergency.
Purchase a NOAA Weather Radio receiver with backup battery power. NOAA Weather Radio from the National Oceanic and Atmospheric Administration is a nationwide, 24-hour radio station network that broadcasts continuous weather information like forecasts, watches, warnings and all-hazard updates, such as earthquakes or environmental events like chemical releases or oil spills.
NOAA Weather Radio is commercial-free but requires a specific receiver or scanner that is widely available for as little as $30. You may need an external antenna if you are more than 30 miles from the nearest transmitter.
The nationwide Emergency Alert System can deliver wireless emergency alerts to your devices. In addition to NOAA Weather Radio and the Emergency Alert System, you also may be covered by a community-level emergency alerting system.
If your government alerting system uses landline telephones, but you do not have one, you may still be able to connect your mobile devices to Enhanced Telephone Notification systems like Reverse 911© and text messages. Strobe lights, pagers, computers, and text printers can be connected for the visually and hearing-impaired, as well.
Download your state or local emergency management agency app and the FEMA app. Enable text message alerts (message and data rates will apply).
Look for updates from official local government and emergency management agencies and utility providers on their websites and social media to stay current before, during, and after a disaster.
Sign up for listservs and emergency alerts from your workplace, school, houses of worship, or other community organizations that provide notifications during an emergency.
Monitor weather forecasts frequently using apps, devices, government alerting services, radio/television news, and social media. Always keep your cell phone charged and activate location settings that allow weather-related apps to follow and alert you no matter where you go.
No matter how you plan to receive emergency alerts, listen to broadcasts and check online every 30 minutes during emergencies to stay current on the latest updates and essential instructions.