How to prepare your home for natural disasters

Why disaster prep is important

Natural disasters don’t give much warning. One minute, you’re enjoying your morning coffee, and the next, a storm is heading your way. Hurricanes, floods, wildfires, and even unexpected blizzards can cause major damage.

While you can’t stop nature, you can prepare for it. And one of the best ways to do that? Making sure your home—and your insurance—are ready for whatever comes your way. A Freshquote advisor can help you review your coverage to make sure you're fully protected before disaster strikes.

Step 1: Know your risks

Not all disasters affect every area. If you live on the coast, hurricanes and flooding are a concern. If you’re in the Midwest, tornadoes and severe storms are more likely. The West Coast sees wildfires and earthquakes, while northern states deal with harsh winters and ice damage.

Knowing what you're up against helps you plan ahead—both physically and financially. Many homeowners think their standard insurance policy covers all disasters, but that’s not always the case. If you're unsure what your policy includes, a Freshquote advisor can help identify potential gaps in your coverage.

If you haven’t reviewed your insurance policy in a while, check out our guide on why it’s important to reevaluate your insurance annually. You may discover areas where you need more protection.

Step 2: Secure your home

Taking preventive steps can minimize damage when disaster strikes. If you live in a hurricane-prone area, storm shutters, reinforced garage doors, and well-trimmed trees can help protect your home from high winds. In wildfire zones, keeping your gutters clear and creating defensible space around your home reduces fire risks.

For those in flood-prone regions, consider elevating electrical outlets, sealing basement walls, and installing sump pumps to prevent water damage. Homeowners in earthquake zones should secure heavy furniture, bolt their foundation, and install flexible gas lines to reduce the risk of leaks and structural damage.

Even small improvements can make a big difference when it comes to keeping your home and family safe.

Step 3: Review your insurance coverage

Many homeowners don’t realize that standard home insurance policies don’t cover every type of disaster. Flood damage requires separate flood insurance. Earthquake damage also needs its own policy. While wildfire damage is typically covered, some high-risk areas may require additional protection.

Unfortunately, many people only find out about these gaps when they try to file a claim. A Freshquote advisor can review your current policy and ensure you have the right coverage based on where you live. They can also help you find a policy that fits your budget while giving you the peace of mind that you’re protected when it matters most.

Step 4: Create an emergency plan

Knowing what to do when a disaster hits can keep your family safe. Start by making an evacuation plan with clear routes and a safe destination. Have an emergency kit ready with essentials like food, water, first aid supplies, and important documents.

Keeping copies of insurance policies, identification, and home records in a waterproof, fireproof box can also make a huge difference after a disaster. And don’t forget to sign up for local weather alerts so you have the latest information when you need it most. The more prepared you are, the faster you can act when time is of the essence.

Step 5: Document your home & belongings

If disaster damages your home, having proof of what you own can make the insurance claims process much smoother. Taking photos or videos of each room, recording details of high-value items, and keeping receipts for big purchases can help your insurance provider process everything faster.

Store this information digitally or in a secure, waterproof container. It’s a small step that can make a big difference when you need to file a claim.

Let a Freshquote advisor help you prepare

Disasters are unpredictable, but your insurance coverage shouldn’t be. If you’re unsure whether your home is fully protected, a Freshquote advisor can review your policy and find the right coverage for your needs.

Don’t wait until after the storm—Connect with an Expert today and make sure your home is ready for anything.