Household Pulse Survey

An estimated 2.5 million people were forced from their homes in the United States by weather-related disasters in 2023, according to new data from the Census Bureau.

The numbers, issued on Thursday, paint a more complete picture than ever before of the lives of these people in the aftermath of disasters. More than a third said they had experienced at least some food shortage in the first month after being displaced. More than half reported that they had interacted with someone who seemed to be trying to defraud them. And more than a third said they had been displaced for longer than a month.

The United States experienced 28 disasters last year that each cost at least $1 billion. But until recently, the number of Americans displaced by those disasters has been hard to estimate because of the nation’s patchwork response system.

Understanding the human toll of disasters, not just the financial costs, is increasingly urgent as climate change supercharges extreme weather, experts say.

“A lot of people’s lives are disrupted by these events in small and large ways,” said Andrew Rumbach, a senior fellow at the Urban Institute, a nonprofit group that focuses on advancing upward mobility and equity. “It has a really big cumulative cost that’s hard to capture. This, at least, gives us a snapshot of that.”

The displacement data were gathered in the bureau’s Household Pulse Survey, which aims to measure how emerging social and economic challenges are affecting Americans. The survey added questions about disasters in December 2022.

Those first results, issued in January of 2023, showed that about 3.3 million people had been displaced in the year before. According to the latest batch of responses, collected in January and early February, 2.5 million said they had been displaced at some point last year.

Hurricanes remained the most commonly cited cause of displacement, followed by floods and fires. Florida, Texas, California and Louisiana all had hundreds of thousands flee their homes.

A precise count of those displaced by disasters has been elusive because responding agencies and nonprofit groups only know how many people they serve, which leaves out displaced people who do not ask for help and communities that do not receive help at all. For example, the Federal Emergency Management Agency only responds to events that get a federal emergency declaration.

The survey lists fire among the “natural disasters” that could lead to a displacement, for example, and some experts say it is not hard to imagine someone selecting that after a house fire. Dr. Fussell also noted that while earlier federal surveys counted those who had permanently moved from their homes after a disaster, “displacement” in the pulse survey could refer to a daylong departure.

Putting Disasters in Context - Using 2018 as a Benchmark

2018's Billion Dollar Disasters in Context

BY ADAM B. SMITH - PUBLISHED FEBRUARY 7, 2019

Last Page added by Mark L. Stockton

During 2018, the U.S. experienced a very active year of weather and climate disasters. In total, the U.S. was impacted by 14 separate billion-dollar disaster events: two tropical cyclones, eight severe storms, two winter storms, drought, and wildfires. The past three years (2016-2018) have been historic, with the annual average number of billion-dollar disasters being more than double the long-term average. The number and cost of disasters are increasing over time due to a combination of increased exposure, vulnerability, and the fact that climate change is increasing the frequency of some types of extremes that lead to billion-dollar disasters.

Number of events

The 14 separate U.S. billion-dollar disasters in 2018 represent the 4th highest total number of events, behind only the years 2017 (16 events), 2011 (16) and 2016 (15). The most recent years of 2018, 2017 and 2016 have all been historic in the number of billion-dollar disasters that have impacted the U.S. – totaling 45 separate events. This is a 3-year average of 15 disaster events / year, the highest on record, and well above the annual inflation-adjusted average of 6.2 events per year (1980-2018). In addition, this 3-year average even exceeds the annual inflation-adjusted average of 12.6 events per year over the last 5-years (2014-2018).

  

Cost Comparisons

The year 2018 also experienced the 4th highest total costs ($91.0 billion). The combined costs of the 2018 disasters trails only the years 2017 ($312.7 billion), 2005 ($220.8 billion) and 2012 ($128.6 billion) when all years are inflation-adjusted to January 2019 dollars.

 

Worrisome trends

Keep in mind that these estimates do not reflect the total cost of U.S. weather and climate disasters, only those associated with events in excess of $1 billion in damages. However, these extreme events do account for the majority (>80%) of the damage from all recorded U.S. weather and climate events (NCEI; Munich Re). These billion-dollar disaster events are becoming an increasingly larger percentage of the cumulative damage from the full distribution of weather-related events at all scales and loss levels. Clearly, the historically large U.S. losses from hurricanes and wildfires over the last few years have further skewed the total distribution of extreme weather costs. This increase reflects a combination of increased exposure, vulnerability and the fact the climate change is playing an increasing role in the increasing frequency in some types of extremes that lead to billion-dollar disasters.

 

The Historic U.S. Billion-dollar Disasters of 2018

Among the weather and climate-related disasters to affect the U.S. in 2018, the following caused the most damaging impacts and broke records.  

 Western Wildfires, California Firestorms (Summer-Fall 2018)

In 2018, California experienced its costliest, deadliest, and largest wildfires to date, with records back to 1933. The Camp Fire was the costliest and deadliest wildfire in state history, destroying more than 18,500 buildings.

 California also endured its largest wildfire on record—the Medincino Complex Fire, which burned more than 450,000 acres.

 Additionally, California was impacted by other destructive wildfires: the Carr Fire in Northern California and the Woolsey Fire in Southern California.

 The total 2018 wildfire costs in California (with minor costs in other Western states) approached $24 billion, a new U.S. record. In total, more than 8.7 million acres burned across the U.S. during 2018, which is well above the 10-year average (2009-2018) of 6.8 million acres.

 Hurricane Florence (September 13-16, 2018)

Hurricane Florence was a large and very slow moving hurricane that produced extreme rainfall across eastern North Carolina (up to 35.93") and South Carolina (up to 23.81"). Florence made landfall as a Category 1 hurricane at Wrightsville Beach, NC, with damaging storm surge up to 10 feet and wind gusts reported over 100 mph. However, the majority of the damage caused by Florence was due to the rainfall inland, which caused many rivers to surpass previous record flood heights.

  Hurricane Michael (October 10-11, 2018)

Powerful Category 4 Hurricane Michael made landfall at Mexico Beach, Florida, with devastating winds of 155 mph and storm surge in excess of 15 feet. Mexico Beach was nearly destroyed, while Panama City suffered extensive damage.

 The rising frequency of billion-dollar disaster events

The U.S. has experienced a rising number of events that cause significant amounts of damage. From 1980–2018, the annual average number of billion-dollar events is 6.2 (CPI-adjusted). For the most recent 5 years (2014–2018), the annual average is 12.6 events (CPI-adjusted).

The increase in population and material wealth over the last several decades are an important factor for the increased damage potential. These trends are further complicated by the fact that many population centers and infrastructure exist in vulnerable areas like coasts and river floodplains, while building codes are often insufficient in reducing damage from extreme events.

Climate change is also paying a role in the increasing frequency of some types of extreme weather that lead to billion-dollar disasters—most notably the rise in vulnerability to drought, lengthening wildfire seasons in the Western states, and the potential for extremely heavy rainfall becoming more common in the eastern states. Each of these changes in extremes are becoming more visible in relation to the influence of climate change (NCA 2018).

The geography of billion-dollar disaster events by type

The U.S. is weather and climate conscious for good reason, as each geographic region faces a unique combination of persistent hazards. The maps below reflect the frequency with which each state has been part of a billion-dollar disaster event (i.e., the totals do not mean that each state alone suffered $1 billion in losses for each event).

 

In total, from 1980–2018, the U.S. South/Central and Southeast regions experienced a higher frequency of billion-dollar disaster events than any other region, as shown in the red total disaster frequency map. The South region has also suffered the highest cumulative damage costs reflecting the cumulative diversity, frequency, and severity of weather and climate events impacting these regions.

Each state has been affected by at least 1 billion-dollar disaster since 1980. Texas has experienced the highest number of events (104) and is one of the few states that have been impacted by all seven types of the billion-dollar disasters we analyze.

      

The Number of IRS Casualty Loss Claims Filed in 2018

Despite the number of severe disasters that occurred in 2018, The IRS reports that only 25,440 individual tax returns of all types included Casualty or Theft Loss Deductions. The percentage of disaster victims who file Casualty Loss claims is consistently fewer than 5%.

 

Surging home insurance costs could force families to leave these 10 states

By Megan Henney FOXBusiness

 

The astronomic rise in mortgage rates and spike in home prices over the past year has pushed a key tenet of the American dream out of reach for millions of families.

Now, there is another obstacle to homeownership: higher home insurance premiums.

 The average cost of home insurance for a $300,000 property in the U.S. surged 12% in 2023 to roughly $7,770 per year, according to a new report published by lnsurify, an insurance comparison website headquartered in Massachusetts.

However, home insurance is even more expensive in states plagued by severe weather and other climate-related catastrophes. In fact, as the frequency and severity of destructive weather events have increased, more areas are considered high risk and unprofitable for insurance companies, the report said.

A growing number of insurance companies are opting to leave states like California and Florida, driving prices even higher for homeowners.

Here's a look at where you can expect to pay the highest premium for home insurance.

 

Florida

Florida is the most expensive state for home insurance, with the average annual cost rising $9,213 last year. That is 421% higher than the national average.

Rates jumped by 14% in 2023 as several major insurers stopped renewing certain policies or left the state entirely, citing concerns over hurricane risk. Severe weather damages in Florida topped $15 billion last year.

 

Oklahoma

Home insurance in Oklahoma costs about $4,782 on average, 170% higher than what the typical American pays. Premiums rose 24% in the state last year; Oklahoma Insurance Commissioner Glen Mulready has blamed the increase on weather and the rising cost of building materials due to inflation.

'The median home value in Oklahoma is nearly 50% lower than the national average, according to U.S. Census Bureau data," lnsurify wrote in the report. "However, with insurance rates surging, homeownership in Oklahoma isn't as attainable as property values suggest."

Mississippi

Homeowners in Mississippi saw an average insurance rate of 23% last year, with the annual cost hitting $4,017. That is roughly 127% higher than the national average.

lnsurify said the increase is likely the result of what the National Weather Service called "unprecedented, historically destructive severe weather" that ran through the Deep South over the summer.

 Insurance rates in the state increased 433% more than income in the state in 2023.

  

Texas

Texas insurance rates rose 18% in 2023, 452% more than wage growth in the state and 124% higher than the national insurance rate.

The Lone Star State also experienced a number of severe weather events last year, including 16 that caused more than $1 billion in damage apiece.

Home insurance in Texas now costs about $3,969 on average.

  

Kansas

Home insurance rates jumped 19% in Kansas last year to an average of $3,245. That is 83% higher than the national average.

The increase was also influenced by severe weather, including storms, high winds, tornadoes and flooding in July. Kansas is also prone to wildfires.

 

Georgia

Georgia insurance rates hit $2,173 in 2023, a 17% spike from the previous year. By comparison, the median household income in the state rose just 2.3% last year, according to Labor Department data.

Georgia experienced 12 natural disasters last year that cost the state about $38 billion in damages.

 

Nebraska

Homeowner insurance in Nebraska is nearly twice as expensive as the national average. The problem got even worse in 2023, with the average annual rate rising by 14% to $3,519.

Nebraska was also plagued by a number of severe weather events last year, including blizzards in the winter and flash floods and tornadoes in the summer.

 

Massachusetts

Home insurance rates in Massachusetts are actually lower than the national average. However, costs increased at a 582% higher rate than income in the state, according to the study, the largest gap between insurance hikes and wage growth in the country last year.

Average annual insurance costs are about $1,649 in the state, 7% below the national average.

 

New York

Insurance rates in New York hit about $1,942 in 2023, 10% higher than the national average.

The overall cost of living is one factor driving up rates, as are severe weather events including flooding and rainstorms that shut down part of New York City in 2023.

Upstate New York is also plagued by damaging and sometimes fatal blizzards that can cause thousands of dollars in property damage.

 

Colorado

The average annual home insurance cost is $3,308 in Colorado, a significant increase from previous years.

That is 87% higher than the national average.

 

From NOAA: U.S. struck with historic number of billion-dollar disasters in 2023

13th consecutive year with 10 or more $1 billion-dollar disasters.

An unprecedented number of billion-dollar disasters — 28 in total — struck the U.S. in 2023, as the remarkably warm year wrapped up with a record-warm December.  

“For millions of Americans impacted by a seemingly endless onslaught of weather and climate disasters, 2023 has hit a new record for many extremes,” said NOAA Chief Scientist Sarah Kapnick. “Record warm U.S. temperatures in December, a record-setting number of U.S. billion-dollar disasters in 2023 and potentially the warmest year on record for the planet are just the latest examples of the extremes we now face that will continue to worsen due to climate change.”

USA Today for September 11th, 2023

 From storms to wildfires, it's already been a record catastrophic year for weather and climate disasters across the nation, and we've still got nearly four months to go.

 As of Monday, Sept. 11th, the U.S. has endured a whopping 23 separate weather and climate disasters that have each led to at least $1 billion in damage, the National Oceanic and Atmospheric Administration said Monday.

 That breaks the record of 22 set in 2020.

Let's Not Get Complacent

Many disasters go unnoticed - except by those who are directly affected. We generally hear about major fires, floods, or hurricanes, but the majority of disasters aren’t widely reported.

As of September 29th, there have been 102 federally declared disasters in the U.S. and its territories, and that might surprise many people.

Did you know about the flooding in Wyoming or the Diamond Fire in Arizona, both of which occurred in June?

This is just a reminder that lots of our friends and neighbors are victims of disasters nationwide throughout the year. For more information, go to : Declared Disasters | FEMA.gov

2023 Begins Badly

Tornadoes and flooding have captured the headlines in the first 90 days of 2023. Record breaking rain and snow has caused flooding in many areas of California, and an EF-4 tornado with winds of up to 200 miles an hour ripped a swath 170 miles long in Mississippi. At least 25 people have died as a result of that tornado, and the forecast is for more unsettle weather in the southeastern U.S.

Marshall Fire Update

An interagency damage assessment of the Marshall Fire southeast of Boulder, Colorado updated Jan. 6 has found 1,084 destroyed residences and 149 that were damaged. The total countywide estimated value of residential damage is $513,212,589. The updated numbers for commercial structures are 7 destroyed and 30 damaged. The total value of commercial damage is still being calculated. The commercial structures included a shopping center and the Element Hotel.

Residential Structures

  • City of Louisville: 550 destroyed, 43 damaged; actual value of residential damage is approximately $229,199,184

  • Town of Superior: 378 destroyed, 58 damaged; actual value of residential damage is approximately $152,757,462

  • Unincorporated Boulder County: 156 destroyed, 48 damaged; actual value of residential damage is approximately $131,255,944

Commercial Structures

  • City of Louisville: 4 destroyed, 14 damaged

  • Town of Superior: 3 destroyed, 14 damaged

  • Unincorporated Boulder County: 2 damaged