MoneyGeek Analysis:

Winter Is Coming: Can Homeowners Withstand Another Polar Vortex This Year?

ByLucia Caldera
Edited byErika Hearthway

Updated: December 28, 2023

ByLucia Caldera
Edited byErika Hearthway

Updated: December 28, 2023

Advertising & Editorial Disclosure

It’s that time of year again. The days get shorter, nights get longer, and the air gets chilly. For homeowners, this means it’s time to prep your property for the winter. From strong winds that loosen your shingles to frozen pipes that burst, the cold season can wreak havoc on your property — especially if you live in one of the states with the highest winter weather risk.

To find the states with the most expected winter weather risk this season, MoneyGeek analyzed expected property damage from winter weather overall and per capita using FEMA’s National Risk Index. We also broke down the percentage of expected damage from ice storms, cold waves and winter weather to help property owners identify the best homeowners insurance policy for their needs.


States Expected to Have Highest Costs From Winter Weather Damage (2022–2024)


5 Worst States for Winter Weather Damage


North Dakota

Winter weather in North Dakota usually lasts from November through March and can be accompanied by strong winds that create blizzard conditions. Temperatures fall below 0 degrees Fahrenheit for 40 to 70 days on average, increasing risks to the home, including freezing and bursting water pipes.



According to the official Arkansas website, November marks the start of winter in this state, with light frost conditions and colder weather beginning toward the end of the month. By January, winter conditions become harsher, with average minimum temperatures of 28.8 degrees Fahrenheit and an average snowfall of 2.3 inches. By March, the weather is often milder, but residents often see at least one final snowfall this month.



The Oklahoma Climatological Survey describes the state's winters as shorter and less severe than those of neighboring states. While extreme cold is infrequent, snowfall can range from less than two inches in some parts of the state to nearly 30 inches in others. Temperatures drop below 32 degrees Fahrenheit for 60 to 140 days in different parts of the state.



The National Weather Service indicates that the average winter season extends from November to March in eastern Nebraska and from October to April in western parts of the state. Snow and strong winds create the riskiest conditions, with dangerous wind chills and the possibility of blizzards. Other seasonal risks include power outages, tree damage and downed power lines.


South Dakota

Located toward the north of the country in the Great Plains area, South Dakota is exposed to cold arctic winds and low temperatures. The National Oceanic and Atmospheric Administration indicates that blizzards and snowstorms can lead to the death of livestock during the winter months. This affects South Dakota’s agricultural economy while also causing devastating floods once the snow starts to melt.

Top 15 Worst States for Winter Weather Damage


How to Prepare Your Home for Winter Weather

Preparing your home for winter weather can keep you safe in case of a storm and save you thousands of dollars, too. Considering how high winter weather insured losses were in 2021 compared to previous years, it’s more important now than ever to buy a quality home insurance policy, as well as take steps to protect your property.


To prepare the inside and outside of your home for winter weather, Consumer Reports recommends:

  • Protecting your indoor pipes
  • Insulating your attic
  • Servicing your heating equipment
  • Installing glass storm windows
  • Hiring a licensed roofing contractor to inspect and repair your roof
  • Cleaning your gutters
  • Repairing your outdoor flooring
  • Removing tree limbs
  • Preparing outdoor water sources
  • Marking pathways before heavy snowfall

Damages related to the list above reflect many of the top winter home insurance claims. After the 2021 polar vortex became the most costly weather disaster in the history of Texas, it prompted many homeowners — not just in Texas but across the country — to question how much insurance coverage they might need to prepare for this winter season.

Knowing your local weather prediction for this year can help you identify how much home insurance coverage you need to protect your property; looking for cheap homeowners insurance in your area that meets these coverage needs is crucial to financially securing your home in the event of winter damage.

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Before the season begins, take some time to review your homeowners insurance policy for these four types of coverage:

  • Dwelling
  • Personal property
  • Living expense
  • Liability

In some cases, you may also want to consider secondary coverage to cover the cost of repairing structures beyond your dwelling (such as fences or a detached garage), as well as medical payments for visitors who may become injured while at your home.



We analyzed FEMA’s National Risk Index data to determine expected annualized property damage losses from winter weather events across the country. Our analysis included property losses from snowstorms, sleet, freezing rain, ice storms and cold waves. We analyzed total property damage and ranked states by per capita losses to determine which states are the most burdened by property damage due to winter storms.

If you have any questions about our findings or methodology, please reach out to Melody Kasulis via email at

Full Data Set

The data points presented are defined as follows:

  • Total Expected Annual Winter Property Damage Losses: Total property losses from snowstorms, sleet, freezing rain, ice storms and cold waves.
  • Total Winter Expected Property Losses per Capita: Total losses divided by the population of each state.
  • % of Property Damage From Ice Storms: Percent of total property losses attributed to ice storms. Here, ice storms are defined as instances of freezing rain with significant ice accumulation.
  • % of Property Damage From Cold Waves: Percent of total property losses attributed to cold waves. Here, cold waves are defined as instances of rapid drops in temperatures within 24 hours to extremely low temperatures for an extended period of time.
  • % of Property Damage From Winter Weather: Percent of total property losses attributed to winter weather. Here, winter weather is defined as snow, sleet or freezing rain.

About Lucia Caldera

Lucia Caldera headshot

Lucia Caldera has 10 years of experience in financial planning, managing and advising. As the Founder of Corporate Media Lab, she uses her background in personal finance to create approachable content that sparks financial wellness and unlocks growth for her audience.

Lucia holds a master’s in International Political Economy and Development from Fordham University and a bachelor’s in Economics from Clark University. Her work reflects her passion for financial education as the key to reducing the wealth gap for women and minorities.