Types of Disasters (2001-2010):
Severe weather, 4 hurricanes, 2 tropical storms
Estimated Insured Property Loss: $23.9 billion
Severe thunderstorms and tornadoes are as common as tumbleweed in the Lone Star State. Cities close to the southern coast, such as Galveston and Houston, are often in the bulls-eye of destructive hurricanes that gain strength over the Gulf of Mexico, such as Hurricane Ike in 2008.
If you live in a state plagued with so many different types of disasters, it's crucial to know exactly what your insurance policy covers.