NOAA STORM DATABASE
California Severe Weather & Home Insurance Context
Recent official NOAA Storm Events records summarized for insurance-cost research.
NOAA events13,589
Recorded property damage$1,644,077,370
Modeled insurance benchmark$1,600
Most common recorded event types
High Wind (2,499), Flood (2,011), Heavy Snow (1,051), Drought (996), Excessive Heat (900), Dense Fog (814), Flash Flood (735), Strong Wind (722)
Storm-event counts and FEMA risk scores are not insurance claims and should not be interpreted as a direct carrier pricing formula.
See California cost benchmark