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As a result of these increasingly frequent and damaging natural disasters, insurance companies have been scrambling.
However, not all states carry the same level of risk.
Also seewhether you should get flood insurance in 2025, according to experts.
Maine
According to Insurify, tropical cyclones are the most destructive natural disasters, at least financially.
Maines average loss ratio is the second-lowest in America at just 43.3, per Insurify.
Thats roughly one-quarter of the loss ratio in disaster-prone Louisiana.
In 2024, Maine residents actually saw their average home insurance premiums drop by 4%.
New Hampshire
Home insurance premiums in New Hampshire remained stable in 2024.
Alaska
When it comes to avoiding natural disasters, Alaska has a lot going for it.
Over the past five years, the state has suffered only $52.5 million in damages from natural disasters.
As a result, Alaskans enjoy the third-lowest home insurance premiums in the country.
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