When Natural Disasters Strike: Why Insurance Preparedness Matters More Than Ever
The first half of 2025 has already been one of the most expensive periods on record for natural disasters — with global losses reaching around $80 billion, up from $64 billion in the same period last year.
In the U.S., severe weather events like the Los Angeles wildfires and widespread storms contributed heavily to this total. Of those losses, about $53 billion were insured — one of the highest mid-year amounts seen in over a decade.
While overall economic losses have slightly declined from last year, the scale of insured damages tells a deeper story: disasters are becoming more frequent, more destructive, and far more costly. From floods and wildfires to hurricanes and tornadoes, the financial impact continues to rise — reminding homeowners and businesses alike that insurance isn’t just about protection, it’s about recovery.
How to Strengthen Your Protection
Review your coverage annually – Make sure your policy limits reflect current rebuilding costs.
Ask about additional coverages – Flood and earthquake protection are often excluded from standard home policies.
Create a property inventory – Keeping records of your assets helps speed up claims when the unexpected happens.
Mitigate risks – Steps like clearing gutters, trimming trees, or maintaining defensible space can minimize damage.
Takeaway
Natural disasters are unpredictable — but your response to them doesn’t have to be. The right insurance coverage ensures that even when the unexpected strikes, your home, business, and peace of mind are protected.
At RISE Insurance, we believe in helping clients prepare before disaster hits — not after. A strong policy today can be the difference between starting over and staying steady tomorrow.
