What state has the most tornadoes?

Did you know frequently inclement weather affects car and homeowners insurance? Tornadoes are the culprit behind more expensive rates in states with higher chances of storms.

But what state has the most tornadoes per year? Don’t worry — we’re here to answer your questions.

Our guide explores which states have the most tornadoes per year and how tornadoes affect insurance in states with higher tornado statistics.

Read on to learn how you can brace yourself for expensive rates in a state known for tornadoes. If you’re looking for shelter against the storm of high prices, enter your ZIP code in the online quote to compare multiple insurance companies near you.

What state has the most tornadoes?

Texas is the worst state for tornadoes, followed by Kansas, Oklahoma, and Florida. But what about the other states?

Let’s look at an extensive list that shows the tornado statistics of all states in the United States. Use the search box in the top right-hand corner to quickly find your state.

Include Nebraska, Illinois, Iowa, Alabama, and Mississippi in the list of states that are known for higher than tornadoes per year.

Which state has the most tornadoes per square mile?

Although Kansas ranks second in the most tornadoes in the United States, it has more tornadoes per square mile.

In other words, tornadoes cover a wider area per square mile in the state of Kansas.

Which state has the fewest tornadoes?

Tornadoes don’t affect every state in the nation. Some areas don’t see any tornadoes at all.

Here are the states that have little to no tornadoes.

• Rhode Island
• Alaska
• Vermont
• New Hampshire
• Hawaii
• Delaware
• Nevada
• Massachusetts
• Maine
• Connecticut

Seven of these states are located in the northeastern portion of the United States. Although those states don’t see tornadoes as much, they encounter complications from tropical storms and hurricanes.

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How do tornadoes impact car insurance rates?

The more tornadoes you have in your area, the higher your comprehensive auto insurance rates.

Tornadoes cause damage related to the terms of comprehensive insurance rules.

In comprehensive car insurance, your insurance company covers damage from incidents that don’t involve a collision.

And tornadoes cause devastation, which blows objects onto your vehicle. Also, flooding and lightning could occur at the same time.

Auto insurance companies anticipate the cost of damage and drive up rates to offset possible expenses from tornado damage.

How much is comprehensive car insurance?

Comprehensive auto insurance varies for each state, but states with more weather-related incidents usually pay more.

So do Texas and Kansas have the most expensive comprehensive coverage rates? Let’s see.

Texas is the 11th most expensive state despite having over 150 tornadoes in the past year. However, Kansas ranks fourth.

Do tornadoes affect home insurance rates?

Yes, they do. Home insurance covers wind and hail damage, but tornado damage isn’t covered under standard home insurance if you live in the “tornado alley.”

According to AccuWeather, the “tornado alley” is a list of states in the Midwest region of the United States that frequently encounter tornadoes.

The states in the “tornado alley” are Texas, Oklahoma, Kansas, Nebraska, Missouri, Iowa, and South Dakota. Some parts of Minnesota and North Dakota are also included.

If you live in these states, you’ll have to add windstorm coverage to your home insurance policy to cover damage from tornadoes. And additional coverage means more expensive homeowners insurance rates.

How much is tornado coverage?

Tornado coverage (or windstorm insurance) is $600 more than average. Therefore, a “tornado alley” resident could pay $142 per month for windstorm coverage.

What’s the best home insurance company for tornadoes?

If you’re not sure which companies are best for windstorm damage, don’t worry. We found four insurance companies that are the best overall.

• Lemonade
• Amica
• Farmers
• Nationwide

Are you not interested in more prominent companies? Try a regional company. Picking a company that deals specifically with residents in the “tornado alley” area may be more beneficial than a national company.

Can tornadoes increase health insurance rates?

No, it doesn’t. While it’s unclear whether tornados impact health insurance rates, it’s unlikely that tornadoes affect your health insurance.

Tornadoes usually cause more property damage than bodily injury, but injuries can occur during and after a tornado has passed.

What State Has the Most Tornadoes: The Bottom Line

States with most tornadoes usually have higher comprehensive car insurance rates. Auto insurance discounts can lower your rates, but your overall insurance rate is determined by the company that has your policy.

Expect to pay more for home insurance, also. If you live in a “tornado alley” state, your home insurance rates are more expensive.

We recommend adding windstorm damage to fully protect your finances if you have a tornado.

Now that you know more about states with the most tornadoes, use our free online quote tool to compare multiple insurance companies in your area.

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Frequently Asked Questions: What state has the most tornadoes?

Hopefully, you learned a lot about tornadoes and insurance. But if you’re interested in learning more, check out these answers to frequently asked questions to find out more.

#1 – How expensive is tornado insurance?

You could pay $1,700 a year for tornado insurance.

#2 – Does Georgia have any tornadoes?

Yes, it does. Georgia had 30 tornadoes in 2021.

#3 – Can liability car insurance pay for tornado damage?

No, it can’t. Liability insurance pays for damage and bodily injury that you caused.

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