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Lightning Strikes

When determining your home insurance premium, insurance companies look at many factors. One of them is weather. Here in South Carolina, our home insurance risks are significantly different than those homeowners in Florida or Oklahoma.

The risk of damage to your home is always based on your property specifically. However, the weather in your region plays a role in that cost. Here's how it may apply.

Add Up The Costs

How many severe weather events happened in your area in the last year? You may be thinking about things like extreme heat and extreme cold, or maybe a drought. These events, while unpleasant, are less likely to increase your home insurance risks. However, some types of severe weather can. Here are some examples.

Hurricane Risks

Home insurance in hurricane risk areas is a critical investment, as hurricanes cause thousands of dollars of damage to homes. Yet, many policies restrict coverage to highly-prone areas along the East Coast. That said, others will extensively cover wind damage caused by hurricanes. You may be able to secure a policy endorsement to cover some of these risks if you need extra protection. But keep in mind that since hurricanes are high-risk, rates might increase.


Many regions in the western United States suffer from wildfire risk. However, wildfires can happen anywhere. This risk often increases in areas of drought. If you live in an area prone to this type of risk, you may need to consider insurance specifically designed to target this concern. As parts of South Carolina are heavily wooded, this can be a pressing issue in times of drought.

Tornadoes And Severe Thunderstorms

Another key risk factor is the severe thunderstorm. They can produce high winds and damaging hail. Lightning can cause fires. This can cause damage to homes. Though not all areas experience frequent tornadoes, many times these are also likely when severe thunderstorms occur. If you are in an area prone to tornadoes, your insurance may represent this.


Inland and coastal flooding are expensive losses. Yet, they are big risk factors throughout the country. When it comes to protecting against floods, recognize that most home insurance plans in the U.S. do not include flood insurance. You may need a separate flood insurance policy to gain this coverage.

What weather is present in your area? Find out what could impact your home insurance rates. Then, see if any modifications to your home can help reduce those risks, such as improved siding and roofing.

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