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4. Mississippi

Types of Disasters (2002-11): 1 winter storm, 2 tropical storms, 7 hurricanes and 26 severe weather incidents

Estimated Insured Property Loss: $15 billion

The Magnolia State took a pounding from Hurricane Katrina, with the storm surge and heavy rains causing extensive flooding. Many unfortunate homeowners discovered insurance doesn’t cover flood damage -- you have to buy a separate policy.

(CREDIT: Istockphoto)
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