Nov. 7. From hurricanes to tornadoes, natural disasters are occurring more frequently and with greater intensity. In 2023, the United States faced 28 climate disasters that caused $95.1 billion in damage and resulted in 492 fatalities.

With Helene fresh in our minds, it turns out that North Carolina is the 12th most disaster-prone state in the nation.

Forbes Advisor compared all 50 states across such factors as construction materials, cost to rebuild, claims history of your location and fire rating of your location.

—North Carolina had the fourth-highest number of billion-dollar climate disasters between 2014 and 2023 (54).

—North Carolina also had the 18th-highest average homeowners insurance premium ($1,943 annually).