Help for Navigating Natural Disasters
From floods to wildfires to windstorms, natural disasters can happen at any time across the United States. We have resources to help both state insurance regulators and consumers navigate catastrophic events.
Protect Your Family and Property
Take steps now to prepare your family and property before the storm, and if disaster strikes, learn what you need to know to file an insurance claim and how your state Department of Insurance can help you. Here are some resources to help you prepare for natural disasters and recover from them.
Regulators
The NAIC is here to help state insurance regulators following a disaster. Learn more about the services the NAIC can provide, such as data calls, phone banks, volunteers, and other regulator assistance, in the aftermath of a catastrophic event. Find out who to contact to request assistance.
State insurance regulators can use this template in advance of a disaster to help aid consumers and work alongside other agencies. The document also includes guidance for insurers and other licensees.
Consumers
Understand what to do after a natural disaster damages your home and learn the tools and tips that can help you to navigate the insurance claims process. For floods and earthquakes, most homeowners policies won’t cover the damage unless you bought coverage separately. Your state insurance department will help you and answer any questions—free of charge.
Our Home Inventory app makes it easy to create a record of all of your belongings, including the ability to scan barcodes and upload photos of your items.
Don't let lack of preparation be your first disaster. Most people don't prepare until it’s too late. See what the NAIC suggests you pack—just in case you need to relocate in a hurry.
Flooding is the most frequent and expensive natural disaster in the United States. Yet, flood peril is not typically covered through most homeowners and renter's insurance policies. Test your knowledge of flood-related insurance with this interactive quiz.
Know the facts before you buy flood insurance.
Additional Resources
Take steps to prepare your property to reduce damage from winter weather, wildfires, thunderstorms, hail, and hurricanes based on research from the Insurance Institute for Business & Home Safety.
Federal Alliance for Safe Homes (FLASH)
Find out what perils are common where you live and how to prepare your home for a disaster.
Access information on current natural disasters, grant assistance, and more.
Find information about flooding, flood maps, filing insurance claims and buying flood insurance.
Tips to help you prepare for and recover from natural disasters.