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re: 5/6 Oklahoma/Kansas severe weather - High Risk- PDS Tor Watch
Posted on 5/7/24 at 10:42 am to Kracka
Posted on 5/7/24 at 10:42 am to Kracka
here in wichita the rates dont seem that bad, compared to louisiana.
I think the difference comes when you factor in the size of these storms and how desolate a lot of this part of the country is. Yes tornados may be "frequent" in the state but theyre so small and short lived when compared to hurricanes that your likelihood of getting effected by one is probably much smaller than your chances of getting hit by a hurricane if you live on the louisiana coast. Ive lived here 7 years and have seen one tornado ('22 Andover Tornado) and been in one other tornado warning. In that time my parents have had close calls with multiple tropical systems. Factoring in the size and the amount of buildings effected by a major hurricane vs a major tornado and it gets easier to see how insuring in a hurricane prone area is more costly than in a tornado prone one.
I think the difference comes when you factor in the size of these storms and how desolate a lot of this part of the country is. Yes tornados may be "frequent" in the state but theyre so small and short lived when compared to hurricanes that your likelihood of getting effected by one is probably much smaller than your chances of getting hit by a hurricane if you live on the louisiana coast. Ive lived here 7 years and have seen one tornado ('22 Andover Tornado) and been in one other tornado warning. In that time my parents have had close calls with multiple tropical systems. Factoring in the size and the amount of buildings effected by a major hurricane vs a major tornado and it gets easier to see how insuring in a hurricane prone area is more costly than in a tornado prone one.
1
Posted on 5/7/24 at 10:47 am to Pedro
quote:
tornados may be "frequent" in the state but theyre so small and short lived when compared to hurricanes that your likelihood of getting effected by one is probably much smaller than your chances of getting hit by a hurricane if you live on the louisiana coast.
I guess I understand the reasoning behind this.
Posted on 5/7/24 at 10:58 am to BigBro
quote:
This.. I agree. My uneducated opinion is saying an EF4 based on most of the cars standing upright and some bark left on the trees, but some of the damage is catastrophic, so it could be close to an EF5. I imagine it will be a little bit harder since it happened at night as well.
I'd say very high end EF3 or an EF4, doubt you'll see an EF5 on this one
Posted on 5/7/24 at 10:59 am to Kracka
quote:
I've always wondered. What are the home owners insurance options like in these high risk states like Alabama, Kansas, Oklahoma etc. that constantly experience Tornadoes . They seem to get tornadoes more often than we experience hurricanes. Yet it feels like the southern states are punished more.
You have to keep in mind that even the largest tornado is "only" a couple miles wide. Even if you have one of those going across the landscape in, say, Alabama, it is only going to impact a small percentage of the population directly. It is even less of a chance out on the Plains where the population density is much, much more spread out.
With a hurricane you know that even with a sub-major you are going to see widespread damage of some kind. A large number of homes across a large geographical area will see roof damage to some extent. The same with flooding in the immediate coastal areas and possible water damage from blowing rain, widespread tree damage, etc. The scale is much greater for a hurricane, and your odds of receiving damage are higher.
In the grand scheme of things, one tornado, even the the worst one, only impacts a small percentage of people in a small geographical area. That is direct impacts of damage to a given property.
This post was edited on 5/7/24 at 11:38 am
Posted on 5/7/24 at 11:17 am to Kracka
quote:
I've always wondered. What are the home owners insurance options like in these high risk states like Alabama, Kansas, Oklahoma etc. that constantly experience Tornadoes . They seem to get tornadoes more often than we experience hurricanes. Yet it feels like the southern states are punished more.
Not really been an issue. I have a great policy for about $2,300/year here in tornado alley. At least, that does not seem high to me.
While the last two weeks have been crazy, there are some years where we have gone all the way to the end of May or first of June with no tornado warnings. in 2019 there were 149 twisters in the state, but in 2014 there were only 16.
Probably has something to do with how widespread hurricanes damage paths are. I have no data, but I would guess most tornado's are EF1 variety, which arent very large so there is not a very big path.
Posted on 5/7/24 at 12:01 pm to Hawgeye
Posted on 5/7/24 at 12:07 pm to Roll Tide Ravens
quote:
This storm ahead of the main line may have some potential in a little while.
Not to pat myself on the back, but I kind of called this. This became the Barnsdall tornado.
Posted on 5/7/24 at 12:10 pm to Roll Tide Ravens
Good call. Tomorrows threat doesn’t have the high risk we saw yesterday, but will still be a good chance for widespread tornadoes
Posted on 5/7/24 at 12:15 pm to LegendInMyMind
Pretty cool retro look to last night's storm.
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Posted on 5/7/24 at 12:47 pm to Kracka
quote:
I've always wondered. What are the home owners insurance options like in these high risk states like Alabama, Kansas, Oklahoma etc. that constantly experience Tornadoes . They seem to get tornadoes more often than we experience hurricanes.
I live about a mile from Alabama and they don't mention it specifically but like everything else I'm sure it's included in the risk formula they use to create a premium price
Posted on 5/7/24 at 12:51 pm to LegendInMyMind
that was some kind of hook
Posted on 5/7/24 at 12:57 pm to LegendInMyMind
Yep. My rates in Oklahoma are very, very reasonable.
A tornado a few years ago went right through my area. I had some damage (a few loafing sheds and a pole barn), but I didn't file a claim because my shite wasn't destroyed and it wasn't worth the hassle to get increased premiums.
That storm killed the wife of an old rancher I know in Blue, OK in 2019.
A tornado a few years ago went right through my area. I had some damage (a few loafing sheds and a pole barn), but I didn't file a claim because my shite wasn't destroyed and it wasn't worth the hassle to get increased premiums.
That storm killed the wife of an old rancher I know in Blue, OK in 2019.
This post was edited on 5/7/24 at 12:59 pm
Posted on 5/7/24 at 1:28 pm to Pedro
Posted on 5/7/24 at 1:42 pm to Roll Tide Ravens
If that one is an EF3 the weather whiners are gonna break WxXwitter.
Posted on 5/7/24 at 2:50 pm to LegendInMyMind
LINK
Video from last night. There was rumors that there was no sirens last night, but in this video you can clearly hear them.
Video from last night. There was rumors that there was no sirens last night, but in this video you can clearly hear them.
Posted on 5/7/24 at 4:52 pm to SWLA92
Posted on 5/7/24 at 5:04 pm to Roll Tide Ravens
There are two confirmed tornadoes right now in MI
Posted on 5/7/24 at 5:15 pm to LegendInMyMind
Looking pretty bad in Michigan.. rarely get tornados up there..
Posted on 5/7/24 at 5:31 pm to dukke v
Classic hook echo looking storm lineup together
Posted on 5/7/24 at 8:59 pm to LegendInMyMind
quote:
If that one is an EF3 the weather whiners are gonna break WxXwitter.
I'm gonna end up very, very triggered
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