Coastal residents pay more for home insurance than those in 'Tornado Alley'

By Marian Johns | | Aug 20, 2018

Those in tornado alley are not at as great of risk for catastrophic weather events as those living on the coast.   File photo

Eighty-eight percent of major hurricanes hit either Florida or Texas, according to the Hurricane Research Division of the National Oceanic and Atmospheric Administration (NOAA), which is why residents in those states and along the eastern coast pay more for home insurance. 

A recent Kin Insurance blog posted on its website takes a look at what is known as "hurricane alley" and "tornado alley" and the differences in home insurance. According to the article, insurance providers see the risks from both types of storms differently.

"The average hurricane season only sees about 10 named storms, but those storms usually cause more damage than tornadoes," the article states. "That’s because the wind and rain from a hurricane can last up to three weeks."

A hurricane's path can also cover hundreds of miles of land with storm surge causing wind and water damage, according to the NOAA.

Those in tornado alley, which is a stretch of land between the Rocky and Appalachian Mountains, are not at as great of risk for catastrophic weather events, the article states.  Residents in hurricane alley not only pay higher premiums but also have to pay a percentage deductible instead of a flat amount.

"This helps insurance companies pay for the enormous claims that come in after a hurricane," the article states. 

No matter whether you live in hurricane or tornado alley, planning ahead and taking steps to make your home less vulnerable are always good ideas. 

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