I live in one of these areas (Huntsville, Ala., the red blob at the top of Alabama). Here, it's tornadoes. But the thing about tornadoes is that they are incre

I live in one of these areas (Huntsville, Ala., the red blob at the top of Alabama). Here, it's tornadoes. But the thing about tornadoes is that they are incredibly localized. While the big mile-wide wedge tornadoes are can destroy a lot of property, most tornadoes are small - a few dozen to a maybe a hundred yards wide. And even the big ones affect, relatively speaking, a small area. A tornado could destroy your neighbor's house and leave yours almost totally undamaged. The real danger is when you have an outbreak of a bunch of tornadoes hitting the same area. Even then, though, any individual person's chance of being impacted are pretty low. That said, I haven't had any problems getting insurance. Although, after the 2011 Super Outbreak [0] my insurance went up about 20%. Which sounds like a lot but was about $200 a year increase or $17 a month. Hardly breaking the bank for me, but I can understand how it might for some. [0] https://en.wikipedia.org/wiki/2011_Super_Outbreak https://en.wikipedia.org/wiki/2011_Super_Outbreak