Click to Call
United Insurance Services, Inc.

13894 S Bangerter Pkwy #250
Draper, UT 84020

Get Directions

United Insurance Services, Inc. Blog

Some of the Most Common Natural Catastrophes in the United States

Sadly, natural disasters are a fact of life. In terms of climate and geography, the United States is immensely diverse. However, this also means that a wide range of natural disasters could impact families across the country. Natural catastrophe insurance will provide protection against many threats.

That said, it’s crucial to study insurance policies closely or to work with an insurance agent to make sure that any given insurance plan protects against specific threats to you, your family, and your home. 

Contact United Insurance Services Inc., serving Bluffdale, UT and many other communities, to discuss natural catastrophe insurance.

Some Common Natural Catastrophes

Let’s take a look at some of the most common natural disasters in the United States. While considering catastrophe insurance, it may help to know what some of the most common disasters are.


Wildfires are common throughout much of the United States. Part of California and other areas of the American West have suffered massive wildfires in recent years. Texas, North Carolina, and many other places have likewise suffered wildfires. Areas suffering draughts may be more likely to experience fires that quickly grow out of control.


Each year, there are 14 named storms, on average, in the Atlantic basin. These storms are named in part because they are so severe. Roughly eight such storms will reach hurricane strength with four considered major storms. Occasionally, hurricanes in the Pacific will impact the West Coast. While coastal regions are the most at risk, hurricanes can travel far inland.


While most common across the Midwest, tornadoes can strike elsewhere as well. Each year there are roughly 800 reported tornadoes. These weather events can cause hundreds of millions in damage per year, if not more.


Besides rising water levels, floods can cause mudslides and other problems. Typically, floods are only covered by specialized flood insurance programs. Even those who don’t live in high-risk flood zones should talk with an insurance agent about obtaining coverage.

Severe Storms

Tornadoes and hurricanes often get the most attention, but regular storms are a major risk too. High winds, falling debris, and heavy rains pose a variety of risks.

Give Us A Call

Natural catastrophe insurance is crucial. Contact United Insurance Services Inc. right away. We serve Bluffdale, UT and many other communities.

Natural Catastrophe Insurance: What is it? Do I Need it?

Your home insurance covers your home against numerous natural disasters, including volcanic eruptions, hail, lightning, tornadoes, and wildfires. While your homeowner’s insurance covers you against a wide range of natural disasters, it doesn’t cover common risks like flooding and earthquakes.

Home insurance is a bare minimum if you want all-rounded protection for your home. If you live in an area ravaged by floods and earthquakes, invest in natural catastrophe insurance from United Insurance Services Inc. in Bluffdale, UT.

What is natural catastrophe insurance?

What does it cover?

This coverage is what you would expect from the name — it covers you against natural disasters. The coverage you receive depends on the vulnerability of your location. The common natural disasters covered by natural catastrophe insurance include:

  • Floods: Whether your home is located near a waterbody or not, it’s never safe from flooding. Flash floods are common and usually cause significant property damage when they strike. Since typical home insurance doesn’t cover flood damage, you must purchase supplemental coverage. This policy covers damage to your building and the contents inside.
  • Earthquakes: While earth movements and sinkholes can cause significant damage to your home, they aren’t covered by home insurance. Purchasing earthquake insurance covers your building, its contents, and loss of use.
  • Tornadoes: Typical home insurance covers damage linked to tornadoes — hail and windstorms. However, if you live in a location prone to tornadoes, home insurance won’t cover you against them. As such, please invest in separate coverage. 

Contact Us Today

Since you have invested a lot in your home, it makes sense to do everything possible to protect it. While home insurance is a powerful investment, it isn’t sufficient on its own. Do consider investing in natural catastrophe insurance to cover gaps inherent in your home insurance. Get in touch with United Insurance Services Inc. in Bluffdale, UT today for more information. 

Natural Catastrophes in Utah: What Kind Of Disasters Can You Expect

In Utah, you’re bound to experience a wild adventure at some point in your life. Our many valleys, canyons, mesas, and plateaus are a testament to how volatile our state’s natural environment can be. If you’re not careful and know what to expect, these natural hazards can wreak havoc on your life. We at United Insurance Services, Inc. in Bluffdale, UT help our clients navigate this important insurance covereage. 

Here is a list of our most common natural catastrophes:


Wildfires are a common occurrence in Utah. The state has one of the highest rates of wildfire per capita in the U.S. According to the National Interagency Fire Center, 1,085 fires scorched 60,863 acres in Utah in 2021 alone.

Flash Flooding

Flash flooding is a leading cause of natural disasters in Utah, according to the Utah Division of Water Resources. The state experiences flash flooding several times yearly, usually during the summer months. Intense rainstorms can cause flash floods, blocked storm drains, and overflowing rivers and reservoirs.


The steep and mountainous terrain of Utah is prone to landslides. The most endangered lands include agricultural lands, rangelands, and residential properties. Over 10 million acres in the state are at risk for slope instability, including urban areas such as Ogden and Summit County.

Give Us A Call

Your home is a personal sanctuary, and you want to protect it from any disaster. Preparing for sudden events such as earthquakes, wildfires, floods, and even tornadoes is essential. While you can’t prepare for every possible disaster that might strike your home, you can protect yourself financially with a natural catastrophe insurance policy from United Insurance Services, Inc. in Bluffdale, UT. Contact us online, over the phone, or in-person to learn more!

Levels of Natural Catastrophe Insurance

Your home insurance covers you for a specific set of perils; typically 10, 16, or all perils. However, you need to add natural catastrophe insurance to cover earthquake, flood, and landslide perils. No home insurance covers floods and most don’t cover earthquakes or landslides, even with all-perils coverage. You can still protect your home or business from these three perils with natural catastrophe insurance, also known as Nat Cat insurance.

The insurance industry realizes that there is no one size fits all policy. You can choose from various levels of coverage, including:

  • Contents only,
  • Structural only,
  • Contents and structural.

If you rent your home, you would require a contents-only policy. Your landlord would choose a structural policy if they rent an unfurnished home, but a contents and structural policy if they rent a furnished home. Likewise, if you own your home, you would choose contents and structural coverage.

You can reside in any type of abode and obtain cat insurance. This includes mobile homes as long as they use tie-downs to ensure they remain anchored to the ground.

With respect to the flood coverage in the cat insurance, you can obtain it through the government’s National Flood Insurance Program (NFIP) or through the Natural Catastrophe Insurance Program (NCIP). Either option fulfills the flood insurance requirement of a financial lending institution from which you obtained your mortgage.

For more information on Nat Cat insurance or to get a quote on coverage for your home or business, contact United Insurance Services Inc. serving Bluffdale, UT. Let us help you properly insure your home against natural catastrophes.

Tips for Buying Natural Catastrophe Insurance

One cannot underestimate how vital insurance is, especially when a natural disaster strikes your home. It cushions you from a colossal loss, ensuring you are back on your feet within no time. However, when you are buying natural catastrophe insurance, there are things you have to consider to ensure you are getting sufficient protection. To make it easy for you, United Insurance Services Inc. serving residents of Bluffdale, UT, explains some tips to consider when buying this type of insurance.

First Get to Know Your Coverage

You need to know what your homeowners’ policy covers first before buying natural disaster insurance. A standard homeowners’ policy may exclude losses like earthquakes, landslides, and floods. This is especially important when you live in an area prone to any natural disasters. It will ensure you have adequate protection after a disaster.

Make an Inventory

Create an inventory of all the items in your home, and should you renovate it, ensure you have updated the list. You will also have to review it with the insurance company to ensure you are adequately insured. After a disaster, it will be easy to prove any incurred losses. Make sure you and the insurance company both have copies of this list.

Factor in The Value of Replacing Your Belongings

When you are making an inventory, it is also good to note down the cost of those items. This will guide you in buying adequate insurance. If you underinsure your property, then after a natural disaster, you will have to go back to your pocket to cover some losses.

Reinforce Your Home

When you live in disaster-prone areas, consider reinforcements like installing storm shutters, smoke detectors, and fire sprinklers. It will help lower your premiums since you will be minimizing damage to your property.

When it comes to insuring your home from natural disasters, you should not compromise. In the long run, you are the one who will benefit. For more information on natural disaster insurance, contact United Insurance Services Inc. today. Located in Bluffdale, UT, we will help answer any questions you have and assist you in buying the proper coverage.

Who Needs Catastrophe Insurance in Utah?

At United Insurance Services Inc., we provide Bluffdale, UT residents with high-quality catastrophe policies. But what is this type of insurance, and who needs it? Understanding the advantages of this insurance will help ensure you are fully protected and safe from severe financial loss.

Defining Catastrophe Insurance

Catastrophe insurance policies cover specific events that are generally excluded from homeowners insurance. These coverage options typically require a homeowner to identify what type of natural or man-made disasters that they want in their coverage, including things like:

  • Landslides
  • Mudslides
  • Sinkholes
  • Earthquakes
  • Natural floods

Business owners may also get high-quality catastrophe insurance designed specifically for their business needs. In Utah, the types of catastrophes covered will vary. Since the area isn’t prone to events like hurricanes, it may be hard to understand who would even need this type of coverage. However, it is often a good option for many homes or business owners.

Who Needs This Coverage

Although Utah may not seem like a hotbed of natural disasters, many types may occur throughout the state, including:

  • An estimated 800-1,000 wildfires every year
  • Heavy floods caused by melting snow
  • Intense winter or rainstorms
  • Landslides and mudslides near mountains
  • Earthquakes on one of the 200 Utah faults
  • Tornadoes during extreme weather

As you can see, this state is just as prone to natural disasters as any other – perhaps even more in danger than some other areas. And a catastrophe insurance policy will help minimize this risk of financial loss as much as possible.

Finding a Good Policy

If you’re worried about any of these natural disasters in Bluffdale, UT, and want catastrophe coverage, contact us at United Insurance Services Inc. We believe that most home and business owners should have catastrophe coverage, as it represents a small investment that could protect you in significant ways.

A Look At What Natural Catastrophe Insurance Entails

United Insurance Services Inc. offers coverage to the Bluffdale, UT community, and the surrounding areas. We are committed to providing our clients a quality experience. We offer personalized policies to ensure that all of our client’s most important assets are protected.

Natural Catastrophe Insurance Overview

Life is often unpredictable. While it may be hard to predict what happens next, you can prepare for it. Consider the benefits of natural catastrophe insurance. Natural catastrophe insurance covers you in the event of an emergency. Generally, the policy covers natural disasters. The type of coverage you need is primarily based on where your property is located and its vulnerability to a natural disaster.

There are multiple natural disasters to be aware of as you research coverage in Bluffdale, UT. You have to consider the likelihood of a hurricane entering the area and causing severe flooding. Earthquakes are another significant disaster to prepare for. If something happens to your property, natural catastrophe insurance covers you.

Any damage caused by tornadoes and tsunamis is also covered under the policy, though tsunamis are unlikely to occur in Utah. Staying on the West Coast, you also have to think about potential wildfires. Forest fires can cause damage throughout the entire state. If your property suffers general fire damage, you should be covered through your traditional home insurance policy. While unlikely, natural catastrophe insurance also covers acts of terrorism.

Natural catastrophe insurance primarily serves as supplemental coverage. Thoroughly research all of your existing policies. Natural catastrophe insurance can fill in those areas that you feel are unprotected.

United Insurance Services Inc. Can Help You Protect Your Assets

Visit our website to learn more information about natural catastrophe insurance.  

Why would anyone need natural catastrophe insurance?

Anyone that lives in the Bluffdale, UT area will want to make sure that they get proper insurance for their home. When you are looking to improve your personal insurance plan, a great type of coverage to get is natural catastrophe insurance. There are several reasons that you will need to get this type of protection here.

Insures Against Local Risks

One of the reasons you need to get natural catastrophe insurance is to help you protect against local risks. No matter where you live, there is always a risk that a natural catastrophe could occur. Some examples of this can include tornados, hurricanes, or even forest fires. When you get a natural catastrophe insurance policy, it can be curtailed to protect against these risks to ensure your home is covered.

Insurance is a Requirement

You will also want to get natural catastrophe insurance because it is a requirement for you. Mortgage lenders may require those who will purchase a home in certain areas to carry natural catastrophe insurance. A lender that deems that your home location is at a higher risk for a natural catastrophe will want to know that you are covered if one occurs.

When you purchase a home in the Bluffdale, UT area, you will want to know that you have the right insurance plan in place. A great form of insurance to get here is natural catastrophe insurance. When you look for a new policy here, you should call the United Insurance Services, Inc. team. When you call our United Insurance Services, Inc. team, you will learn a lot about this unique form of coverage and how it can protect your important asset.

Why is natural catastrophe insurance different from home insurance?

Many people believe that their home insurance covers damage from natural disasters. Some of this kind of damage is covered if the home is located in an area where natural catastrophes are rare. But, United Insurance Services, Inc., serving Bluffdale, UT, would like to inform you that if your home is located in an area where natural catastrophes are more common, such as a flood plain or an earthquake fault, you may not be covered by your regular home insurance. You will likely need to buy a separate natural catastrophe insurance policy.

It is clear why a separate natural catastrophe insurance policy may be necessary. Some events, such as a storm or a hurricane, will do damage, such as roof or window damage. But an earthquake, tornado, or flood can destroy a home. Without a natural catastrophe insurance policy, you may be facing a total loss of everything you own except the clothes on your back.

Also, some natural catastrophe insurance policies will cover damages resulting from human-caused catastrophes, such as a riot. The cost of replacing the structure of a home or business and its contents can be enormous. A standard insurance policy may not cover such losses.

How do you find out whether you need to add natural catastrophe insurance to your standard policy? Feel free to contact the United Insurance Services, Inc., serving Bluffdale, UT. We will be happy to assess your risk and determine whether a natural catastrophe insurance policy is right for you.