The first thing that strikes your mind when there is a disaster in your state is that , whether your house is covered on insurance or not. Then you might give an immediate notice to your insurance company to claim your bill. When it comes to home insurance, these insurance providers make a difference by the safety factor of that particular city.That is, there are different rates for insurance coverage in different cities. For example, if there is a place which is constantly affected by cyclones or its frequently experiencing earth quakes, then the insurance provider obviously has to make a coverage rate this is dissimilar to the rates of other places.A cyclone affected Texas , Florida , East Coast in 2004 which caused a death toll of 124 and the damage to houses was severe and this clearly and directly led to the operation of insurance agents. So these insurance providers might take a note og this place and if this sort of mishaps happen on a regular basis , they might need to change their policy principles and coverage rates. There was a cyclone called Hurricane in 2005 in places such as Florida, Louisiana , Mississippi and Alabama . Total death toll was around 1836 and the cost involved in the reconstruction and resetting the place was huge. So once the places come under the usual scanner, the insurance coverage rates were high for these places compared to other places. Not every disaster can have a effect on the deciding factor of insurance coverage rates. Like, there was a accident (shipwreck) in 1904 at General Slocum , East river at New York city. But this cannot be taken down as a point to include this in the home insurance coverage rates. In 1960 Tsunami affected a real change in the places affected and directly the insurance. In 1960 around 3000 people died due to the cause of Tsunami. And most of the houses were washed away which were geographically closer to the shores. There wasn’t enough money for the re building of houses to take place at a fast pace. Government had to invest a huge amount in this case. The places affected were Hawaii, Alaska , where the home insurance coverage took a drastic effect and the policies were revised accordingly. Most of the time, cyclones have a effect on insurance coverage rates because they can be directly related and also that those places have a regular geographic formulation for those disasters to be happened unlike the accidents or Wars.