Throughout North America, severe weather brings wind, rain, ice, snow, and fires that impact homes – often when property owners least expect it. The costs of property losses from storm damage to homes is high. For example, damages from 2021 weather-related disasters totaled approximately $145 billion. The costliest 2021 events were Hurricane Ida ($75 billion), the mid-February winter storm and cold wave ($24.0 billion), and the western wildfires ($10.9 billion).