When a major, federally declared disaster occurs, the Federal Emergency Management Agency (FEMA) offers assistance to individuals who've sustained damages. If you're the victim of a qualified disaster, here are some FAQs—and answers—about getting FEMA help.

El Niño is a phenomenon that has effect on climate patterns, often triggering or intensifying extreme weather all over the world. Understand how these extremes—such as hurricanes or droughts conditions—can affect you as a home or business owner.

Earthquakes have inflicted damage in all 50 U.S states. As urban development and other factors increase vulnerability to quakes, it makes sense to minimize their seismic impact on your family and property with these facts and suggestions.

Earthquakes happen without warning and they can cause damage even in areas where tremors aren't a known issue. If you've experienced a seismic event, here's what you need to do to be safe in the aftermath.

The Northridge, California, earthquake of 1994 was the costliest earthquake in U.S. history in terms of insured losses.

Ninety percent of all natural disasters in the United States involve flooding, and flood damage strikes frequently in low or moderate risk areas. Homeowners policies don’t cover flooding so—whatever your area’s risk level—learn about flood insurance protections.

Floods occur in every region and 90 percent of all natural disasters the United States involve some type of flooding. Minimize the damage and losses from a flood by taking these precautions.

Hurricane season takes place June 1 – November 30 every year. Don’t wait until after you have a loss to check your insurance—review your homeowners or renters policies to make you have the right coverage in the event you're hit with a destructive storm.

Hurricanes can be violent and dangerous to your family and your home. Before a major storm threatens your community, take steps to secure your home and protect yourself, your loved ones, and your property.

Hurricanes can shatter lives as well as damage property. Being prepared can help you, your family or your business minimize the impact of the storm. The best time to start is before the threat is imminent. Here's what you need to know.

When atmospheric conditions are right, tornadoes can strike with little warning and cause grave amounts of damage in a very short time. These tips can help minimize your risk and keep you and your family safe.

Thirty-eight U.S. states are at risk for wildfires, especially during drought conditions and in mountain, foothill or grassland areas. If this sounds like where you live, make sure you understand the risks and that you're adequately protected from these catastrophically destructive events.

The Triangle Shirt Waist Company Fire occurred on March 25, 1911, and resulted in the death of 146 workers.

Much of North America experiences periods of severely cold weather and is susceptible to snow and ice storms—extreme conditions that can inflict considerable damage on homes and create liability risks. Standard homeowners policies will cover most disasters that result from a freeze—but when the weather outside is frightful, it's better to minimize the potential risks. Here's how.

Ice, snow and wind can have devastating consequences to your home—and to your household budget. Fortunately, there are precautions you can take to avoid the expense and inconvenience of winter damage—and even help you save on heating costs. Get started when the leaves begin to turn so your home is well prepared when the cold, harsh weather hits.

Snow, sleet, ice and below freezing temperatures all have an effect on driving conditions. During winter, safety depends on driver performance in winter hazards, good vehicle maintenance—and common sense. These tips will help you and your car weather the winter.

It's a sad fact of our world that some use violence as means to their political ends. With the possibility of terrorist acts close to home, it makes sense to understand whether your home, family and business are insured in the event of such an incident.

“When thunder roars, go indoors!” is a truism that actually holds up. But much of what we think we know about lightning is fiction. Here are some common myths, along with the facts that will keep you and your loved ones safe in a storm.