How to Find Insurance Coverage in Disaster-Prone Areas

It can be difficult to find insurance in disaster-prone places, but these steps can help.

A damaged highway bridge near Barstow, California.
(Image credit: Getty Images)

It's been a difficult year in weather, and there's still plenty of time left in wildfire and hurricane season. Hurricane Idalia swept through Florida, Georgia and the Carolinas, potentially leaving behind billions of dollars in storm damage, while Maui is recovering from deadly wildfires that devastated the island. Otherwise this year, the West and Northeast have dealt with extreme flooding, while the South and Midwest have handled heat waves and tornado outbreaks. 

It all makes it seem that much more pressing to make sure your insurance coverage is up to date — but for some regions, insurance may be hard to find precisely because of the natural risks typical to the area, making insurance companies averse. 

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David Rodeck
Contributing Writer, Kiplinger's Retirement Report
With contributions from