States Where Homeowners Will See the Most Property Damage Due to Winter

Advertising & Editorial DisclosureLast Updated: 12/12/2022
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Understanding weather predictions for this winter is the first step toward protecting your home and your loved ones. Especially after the devastating effects of the 2021 polar vortex that affected Texas and the central region of the country, it’s important to be aware of your state’s risk level and the type of winter storm damage that can affect your area. To help homeowners prepare, MoneyGeek analyzed data from FEMA to rank each state’s expected winter weather losses per capita.

This information can help you better navigate climate change as a homeowner and decide how much home insurance coverage you need. study’s insights may also help you estimate the cost of homeowners insurance and prepare your finances to recover from a natural disaster.

Take a look at MoneyGeek’s top 15 ranking below to learn more about the state’s with the highest winter weather risks.


  • 15. North Carolina
    North Carolina

    • $2.48Total Expected Property Damage Costs per Capita
    • $23.6 millionTotal Expected Property Damage Costs

  • 14. Iowa
    Iowa

    • $2.49Total Expected Property Damage Costs per Capita
    • $7.6 millionTotal Expected Property Damage Costs

  • 13. Ohio
    Ohio

    • $2.50Total Expected Property Damage Costs per Capita
    • $28.8 millionTotal Expected Property Damage Costs

  • 12. Tennessee
    Tennessee

    • $2.61Total Expected Property Damage Costs per Capita
    • $16.6 millionTotal Expected Property Damage Costs

  • 11. New Hampshire
    New Hampshire

    • $3.25Total Expected Property Damage Costs per Capita
    • $4.4 millionTotal Expected Property Damage Costs

  • 10. Kentucky
    Kentucky

    • $3.27Total Expected Property Damage Costs per Capita
    • $14.2 millionTotal Expected Property Damage Costs

  • 9. South Carolina
    South Carolina

    • $3.33Total Expected Property Damage Costs per Capita
    • $15.4 millionTotal Expected Property Damage Costs

  • 8. Kansas
    Kansas

    • $5Total Expected Property Damage Costs per Capita
    • $15.2 millionTotal Expected Property Damage Costs

  • 7. Missouri
    Missouri

    • $6Total Expected Property Damage Costs per Capita
    • $34.9 millionTotal Expected Property Damage Costs

  • 6. Maine
    Maine

    • $7Total Expected Property Damage Costs per Capita
    • $9.6 millionTotal Expected Property Damage Costs

  • 5. South Dakota
    South Dakota

    • $8Total Expected Property Damage Costs per Capita
    • $6.6 millionTotal Expected Property Damage Costs

  • 4. Nebraska
    Nebraska

    • $9Total Expected Property Damage Costs per Capita
    • $16.2 millionTotal Expected Property Damage Costs

  • 3. Oklahoma
    Oklahoma

    • $14.33Total Expected Property Damage Costs per Capita
    • $53.8 millionTotal Expected Property Damage Costs

  • 2. Arkansas
    Arkansas

    • $14.36Total Expected Property Damage Costs per Capita
    • $41.9 millionTotal Expected Property Damage Costs

  • 1. North Dakota
    North Dakota

    • $23Total Expected Property Damage Costs per Capita
    • $15.5 millionTotal Expected Property Damage Costs

About the Author


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Lucia Caldera is a writer who specializes in personal finance. Her goal is to create approachable content that sparks financial wellness and unlocks growth. Lucia’s work reflects her passion for financial education as the key to reducing the wealth gap for women and minorities.