According to the National Weather Center and National Lightning Safety Council there were 12 direct lightning fatalities in 2024, compared to 14 in 2023. On average, based on data from 2015 to 2024, 20 people die each year from lightning strikes in the United States.
Flood damage is excluded under standard homeowners and renters insurance policies. However, flood coverage is available as a separate policy from the National Flood Insurance Program (NFIP), administered by the Federal Emergency Management Agency (FEMA), and from many private insurers. Industry observers note that many properties that should have flood coverage do not.
Winter storms caused nearly $6 billion in insured losses in 2022, the second-highest year on record for winter storm insured losses in the last ten years, according to Aon. The third costliest winter event since 1950 occurred in December 2022, amounting to $3.5 billion insured losses. Winter storms include snow, ice, freezing and flooding.
