There are several natural disasters that require a specific policy that must be purchased in addition to your homeowners policy. Hurricane, flood, and earthquake insurance are good examples. These natural disasters primarily occur in specific areas and are unique to geographic regions, so not everyone will need to purchase protection against them. On the oter hand, strong winds, lightning, and hail can occur almost anywhere.
Hurricanes and earthquakes are more common along the east and west coasts. Although mild earthquakes have been felt in the Midwest and other interior regions of the country, the damage these small tremors cause is usually minor. When it comes to floods, the majority of flooding occurs in areas known as "floodplains." These areas are low-lying and collect the water that runs off of higher plots of land. Your local Department of Natural Resources or FEMA agency can tell you where the primary floodplains are located in your area. Your insurance agent will also be able to advise you about whether or not you will need to purchase flood insurance.