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8. Oklahoma

Types of Disasters (2002-11): 8 winter storms, 39 severe weather incidents

Estimated Insured Property Loss: $6 billion

Two words for the Sooner State: Tornado Alley. Severe storms and twisters are so much a part of the state's weather that the National Severe Storms Laboratory and Storm Prediction Center are located here. Most Oklahomans know how to protect themselves if a cyclone has been spotted. We recommend that homeowners in tornado-prone states set aside an emergency fund and take photos of all valuables in the event of an insurance claim.

(CREDIT: Istockphoto)
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