Megan Linkin's post on the Dixieland tornado outbreak makes sobering reading.
Personally, I can't imagine what it must be like to have your roof and four walls reduced to matchwood by a tornado or your furniture and belongings ruined by floodwater. As Megan implies, the consequence for the victims is misery and financial uncertainty – especially if you're not properly insured. I suppose the only thing you can do – if you've no other choice but to live in harm's way – is to wise up on how best you can prepare yourself for a natural disaster.
So since my main home is in the hurricane paradise of Florida, and hurricanes can also trigger flooding, one of the ways I will be wising up is via the website: https://www.floodsmart.gov. The site explains how The National Flood Insurance Program, administered by the Federal Emergency Management Agency (FEMA), works closely with the insurance industry to offer flood insurance to property owners and renters.
I don't suppose I'm telling Megan and many others anything they didn't know already, but I find this site both highly informative and very reader-friendly. For example, its animated graphics, showing how the cost of flood damage rises dramatically according to the depth of water that has seeped under your front door, are a dramatic eye-opener.
Before discovering this site, I was also blissfully unaware that my normal homeowners' insurance does not cover flood damage. I was also relieved to learn that adequate flood insurance is not as expensive as I'd thought. So it's high time I closed my protection gap!
While on the subject of flood, you might also want to take a look at Swiss Re's Flood App. It, too, is a must-read for all those who need to improve their understanding of flood risk. https://itunes.apple.com/us/app/swiss-re-flood-risk-app/id542370433?mt=8
Category: Climate/natural disasters: Floods/storms
Location: United States