Does Car Insurance Cover Natural Disasters?
Find out which disasters car insurance covers, what policies apply, and how to file a claim after severe weather.
- Comprehensive coverage is the only type that covers natural disasters like hurricanes, wildfires and tornadoes.
- Liability and collision won’t cover damage from weather, falling trees, or rising water.
Want peace of mind before the next storm? Compare quotes for comprehensive coverage now.
Does car insurance cover natural disasters?
Yes — if you have comprehensive coverage. This part of your car insurance protects against damage from natural disasters and other uncontrollable events, often called "Acts of God." That includes things like hurricanes, floods, wildfires, hail, and earthquakes — as long as you had coverage before the event occurred.
Let’s break down what comprehensive insurance covers and how it works when disaster strikes.
Comprehensive vs. Collision Insurance Coverage
What's the difference between collision and comprehensive insurance? Our insurance experts dive into the details of each.
What counts as a natural disaster in car insurance?
A natural disaster in insurance usually refers to large-scale events caused by nature, such as tornadoes, hurricanes, floods, wildfires, hail, earthquakes, or severe storms. These often fall under the broader label of “Acts of God,” which means they’re sudden and out of human control.
Comprehensive coverage protects you from most natural disasters for car insurance. However, not every event is automatically covered, so it's smart to review your policy details and ask your insurer about specific exclusions.
What is covered?
Comprehensive car insurance typically protects your vehicle from most natural disasters. This includes events like floods, wildfires, hurricanes, earthquakes, hailstorms, and other large-scale natural events. However, coverage hinges on one critical factor: timing. Most insurance companies enforce binding restrictions if a threat is imminent—meaning you must already have comprehensive coverage in place before the disaster is forecasted or occurring.
To stay protected, ensure you maintain continuous comprehensive coverage—especially during peak storm or fire seasons.
🌀 Storm coming? Act early.
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Add comprehensive coverage before storm alerts: Once a binding restriction hits, it’s too late.
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Check for exclusions like floods or earthquakes.
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Flood insurance takes time: FEMA requires a 30-day waiting period before coverage begins.
Don't wait for the forecast—review your policy while skies are still clear.
Are all natural disasters treated the same in an auto claim?
No. While most natural disasters are covered under comprehensive car insurance, the details can vary:
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Hail, wind, fire, flood, earthquake, and tornado damage are typically covered, as long as you’ve added comprehensive coverage to your policy.
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Hurricane-related damage may be split between wind and flood sources. Flood damage specifically is only covered by comprehensive, not liability or collision, and disputes over the cause can affect payout decisions.
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Regional risk matters. Insurers may raise premiums, impose higher deductibles, or even limit coverage availability in high-risk areas (e.g., wildfire zones, hurricane-prone coasts, or floodplains).
Always read your policy carefully and speak with your insurer about how your plan handles specific natural disaster scenarios.
What does "Acts of God" mean in car insurance?
An "Act of God" refers to damage caused by events you can’t control, like earthquakes, floods, hurricanes, or sinkholes. These are typically natural disasters, but some insurers include vandalism or civil unrest.
Not all policies cover Acts of God by default. Some require you to add extra coverage, depending on where you live and the type of policy. Comprehensive coverage usually protects you from these unpredictable events, as long as they aren’t tied to a collision or your own liability.
Compare rates and save on comprehensive coverage today.
Why can't I get car insurance right before a natural disaster?
When a natural disaster—like a hurricane or flood—is forecast, insurers often issue binding restrictions, temporarily freezing policy changes. That means you can’t add, upgrade, or start new coverage until the threat has passed.
Insurance is designed to cover unexpected events. When a threat is forecasted days in advance, insurers pause changes to avoid last-minute adjustments based on known risks. These moratoriums often apply statewide, even if you’re not in the direct path.
How much does disaster insurance coverage cost?
Updating data...
| Company | Avg. Monthly Premium | Avg. 6 Mo. Premium |
|---|---|---|
| Allstate | $201 | $1,206 |
| Progressive | $157 | $943 |
| Farmers | $149 | $893 |
| State Farm | $131 | $785 |
| American Family | $131 | $784 |
| GEICO | $129 | $771 |
| Nationwide | $123 | $738 |
| USAA | $114 | $683 |
| Travelers | $112 | $671 |
| American National | $95 | $570 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Do you need comprehensive coverage?
If your vehicle is worth less than $4,000, your insurance agent might advise you to drop this coverage. In this case, comprehensive coverage would yield a very small payout in the case of a total loss.
If you are, you’re required to carry this coverage in order for the other party — the lender or dealership — to protect their investment.
If you’re not leasing or financing but are planning on selling your vehicle in the future, comprehensive and collision coverage are great ways to maintain the vehicle’s resale value.
Buying or Selling a Car After a Disaster | The Zebra
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Do car insurance rates go up after a natural disaster?
Yes—but not always right away. If you’ve filed a comprehensive claim, it may affect your rate for up to three years. That’s because insurers often surcharge your premium after a claim, even for events beyond your control.
The table below shows the average price difference a driver could see as the number of comprehensive claims they file increases.
Source: The Zebra
Other reasons for an increase
Another factor is the insurer’s annual rate revision. Most companies reassess rates once a year, using data from recent claims to adjust future pricing. After a costly natural disaster, insurers may raise rates across the board—even if you didn’t file a claim.
Premium increases vary by company. If your rate has jumped, whether due to a claim or a market-wide hike, it might be a smart time to shop around.
Enter your ZIP code below to compare personalized quotes and see what you could save.
"The more natural disasters we experience, the more insurance companies have to pay out, leading them to increase rates to recoup their losses. As a result, policyholders may see rate increases not just in states directly impacted but across the board. However, the biggest rate hikes typically occur in states hit hardest by these events."
-Johnny Hawkins, Licensed Insurance Agent and Sales Manager at The Zebra
Find the best comprehensive coverage for your needs today!
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.