- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
re: 5/6 Oklahoma/Kansas severe weather - High Risk- PDS Tor Watch
Posted on 5/7/24 at 10:35 am to Pedro
Posted on 5/7/24 at 10:35 am to Pedro
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.
4
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.
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 12:47 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
Page 1 of 1
Popular
Back to top
Follow TigerDroppings for LSU Football News