Editorial guides
Winter, Heat & Other Hazards guides
Source-backed Winter, Heat & Other Hazards guidance for US homeowners — insurance, prep, and how to read a hazard page.
This section covers the hazards that rarely make headlines but still damage houses: winter storms and frozen pipes, extreme heat, drought, and landslides. They rarely come with a named-storm warning, so the preparation is mostly routine maintenance done before the season starts.
For cold climates, start with preventing frozen and burst pipes and ice dams and roof leaks. For heat, read extreme heat and your home. On hillsides, learn the landslide warning signs. California's Department of Insurance lists landslides with floods and earthquakes as disasters standard homeowners policies don't cover (CDI), so check yours. Your state profile shows which of these hazards are rated highest where you live.
