Guides & Articles — Home Risk and Preparedness | HomeRiskMap

Tornado Safety at Home: Safe Room, Shelter & Insurance Tips Learn how to protect your home and family from tornadoes with expert tips on building a safe room, identifying shelter options, and understanding… Jun 13, 2026 Wildfire Risk Zones: WUI, Defensible Space & Insurance Tips Learn what the Wildland-Urban Interface (WUI) is, how to create defensible space around your home, and how insurance companies assess wildfire risk.… Jun 13, 2026 Earthquake Insurance: Do You Need It Outside California? Many homeowners outside California assume they don't need earthquake insurance. But quakes can happen in unexpected places. Learn where the risks are… Jun 13, 2026 Wildfire Risk Zones: WUI, Defensible Space & Insurance Understanding the Wildland-Urban Interface, creating defensible space, and navigating insurance are key to protecting your home from wildfire. Learn… Jun 12, 2026 How to Check Your Home’s Flood Risk Before You Buy Learn how to assess flood risk using FEMA maps, flood insurance data, and local resources before purchasing a home. This guide helps you avoid costly… Jun 12, 2026 Earthquake Insurance: Do You Need It Outside California? Many homeowners assume earthquake coverage is only necessary in California, but seismic risks exist across the U.S. Learn where you really need… Jun 12, 2026 Does Homeowners Insurance Cover Hurricane Damage? Hurricanes bring both wind and water damage, but standard homeowners policies treat them differently. Learn what's covered, what's not, and how to… Jun 12, 2026 Flood Insurance Explained: What Every Homeowner Needs to Know Flood insurance is often misunderstood but crucial for protecting your home. Learn what it covers, who needs it, and how to buy a policy from the… Jun 12, 2026 How to Read Home Risk Ratings (and What They Mean for You) Every state page on this site rates ten natural hazards from 1 (very low) to 5 (very high). Here is how to interpret those numbers — and how to act… Jun 12, 2026 The Complete Home Emergency Kit Checklist (2026 Edition) Whatever hazard tops the list in your state, the foundation of preparedness is the same: a stocked emergency kit. Here is a practical checklist based… Jun 12, 2026 What Homeowners Insurance Actually Covers in a Natural Disaster The most expensive lesson in disaster recovery is discovering — after the event — what your policy excludes. Here is a plain-English… Jun 12, 2026