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3. Texas

Types of Disasters (2002-11): 1 wildland fire, 1 tropical storm, 4 hurricanes, 7 winter storms and 53 severe weather incidents

Estimated Insured Property Loss: $24.9 billion

Severe thunderstorms and tornadoes are as common as tumbleweed in the Lone Star State. Cities close to the southern coast, such as Galveston and Houston, are often in the bulls-eye of destructive hurricanes that gain strength over the Gulf of Mexico, such as Hurricane Ike in 2008. If you live in a state plagued with so many different types of disasters, it's crucial to know exactly what your insurance policy covers.

(CREDIT: Istockphoto)
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The opinions expressed are solely those of the author and do not necessarily reflect the views of Comcast.

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