[OC] Den Kosten standhalten: Wie Hurrikane und Tornados die US-Hausversicherungsprämien in die Höhe treiben

This visualization, created using R and ggplot2, showcases the relationship between natural disasters and home insurance premiums across the U.S. The hurricane and tornado data were sourced from NOAA, while the home insurance data came from Bankrate. Although insurance premiums are influenced by many factors such as local regulations, construction costs, and individual home characteristics, and other weather events such as hail, a clear trend emerges: states with a higher frequency of destructive storms, such as Florida, tend to have significantly higher home insurance premiums. This highlights the increasing financial impact of natural disasters on homeowners.

The code for the plot can be found here: [https://github.com/colebaril/US-Home-Insurance-Natural-Disasters](https://github.com/colebaril/US-Home-Insurance-Natural-Disasters)

40 avg hurricane spotted all the way out Midwest or is that a bad choice of color

Sorry, I call shenanigans on the home insurance rates in California. Inflated property values along with earthquakes, wildfires, and flooding being the prevalent risk factors, so much that State Farm and Allstate no longer sign policies there.

Is flood and earthquake in there? Would g un violence be health or life insurance?

Should be number of tornados per 100 square miles or something. Dumb showing Texas as the most when it’s so much larger. https://www.weather.gov/spotterguide/tor_basics

I pay $1,400/year in Wisconsin for a high level of coverage on a $650k house. 2 cars a BMW convertible and Mercedes SUV both used us $1050/year for full coverage. Kinda spoiled.

Now do wild fires and earthquakes

Has there ever been a hurricane or tornado on the far west coast?