Homeowners' insurance typically covers damage caused by natural catastrophes, but a few exceptions exist.
Floods
All home insurance plans do not cover flood damage. During the 1970s, the United States saw an increase in the frequency of catastrophic flood disasters due to climate change.
Flood insurance is available to homeowners via the National Flood Insurance Program or their insurance agent as a separate policy (NFIP). The National Flood Insurance Program paid an average of $45,925 per claim between 2010-2018. Flood insurance premiums are not uniform throughout the country or even within a single state. There is a wide variety of annual premiums, from $600 to over $1,200.
Earthquakes
Although earthquakes are often not covered by standard homeowner's insurance policies, most insurance companies do provide an endorsement that will add coverage for a little extra premium. Many American states, including about half of the country, are vulnerable to earthquake destruction.
The annual premium for earthquake protection typically ranges from $100 to $300. Ask your insurance provider about earthquake coverage if you lack the financial resources to replace your items or rebuild your house in the event of damage.
Tsunami
Large earthquakes or undersea volcanic eruptions are the usual triggers for tsunamis, which may produce flooding in far-inland areas. Flood insurance, however, will cover the costs associated with repairs after a tsunami, unlike standard homeowner's policies which do not.
Radiation release
You never know how much harm a nuclear incident or explosion may do to your house. Despite your homeowner's policy won't help you if a nuclear disaster strikes, the plants themselves are mandated to have insurance in case someone gets hurt or their property is damaged.
