Most At-Risk U.S. Zip Codes for Catastrophes

There isn’t a general part of the country that doesn’t have its own set of perils. While California has earned the reputation for having the most earthquakes, and Texas and Florida tie for hurricane damage, catastrophic events happen nationwide. Here, we’ll examine the zip codes that are at the highest risk for fire damage and disasters. Agents and brokers with clients in these regions can get in touch with us to provide comprehensive and specific coverage for these Personal Properties.

According to Property Casualty 360, fires are considered a non-catastrophe event in most cases, but they can cross the threshold and be considered a catastrophe. Some ZIP codes in the West are prone to fire because of the wind and air, while other ZIP codes are prone to lightning, which can lead to fires, presenting a significant risk to homeowners in the area.

Fires are prevalent throughout the nation, which is why it’s imperative that homeowners carry home insurance. Damage and loss suffered by fires a named peril in this coverage, making it even more of a necessity.

The following zip codes are most at risk based off of damage and frequency fire data collected by LexisNexis Risk Solutions over the span of 2011-2016:

10. Breezy Point, N.Y. (11697)

9. Methow, Wash. (98834)

8. Colorado Springs, Colo. (80919)

7. Pateros, Wash. (98846)

6. Gatlinburg, Tenn. (37738)

5. Colorado Springs, Colo. (80908)

4. Mokelumne Hill, Calif. (95245)

3. Hidden Valley Lake, Calif. (95467)

2. Mountain Ranch, Calif. (95246)

1. Middletown, Calif. (95461)

About AmSuisse

Formed in 2013, AmSuisse, Inc. has quickly distinguished itself as a wholesale operation that specializes in working very closely with our agents and broker partners to develop responsive, individualized service for each client. Our unparalleled writing support, industry-specific expertise, marketing support, responsive proposals and quotes, strong customer service, and strong relationships with our carrier partners have all helped us to provide the best possible coverage for our clients. Whether it’s a coastal property, a vacant property with its unique exposure to vandalism, or other high-risk home with other hazards that fall outside the admitted market, AmSuisse is able to offer multi-peril coverage on a non-admitted basis for complex homeowners exposures. To learn more about our available coverage, contact us today at (800) 485-0229 to speak with one of our representatives.