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10. Illinois

Types of Disasters (2002-11): 1 hurricane, 8 winter storms, 61 severe weather incidents

Estimated Insured Property Loss: $4.9 billion

Thunderstorm activity in Illinois ranks above the national average, and the state also is part of Tornado Alley. It also gets its share of severe winter weather from Great Lakes-effect snowstorms. Illinois homeowners can avoid cold-weather insurance claims by following these simple steps.

(CREDIT: AP Photo)
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