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I think but don't quote me but I think that tornado damage is covered by your homeowners insurance. But let me add here that I am sure of this, flood damage is not. I don't know what would happen if the flood was the direct cause of a hurricane. I know most people around here had blanket coverage on their homes particularly manufactured home that had a mortage on them and they were covered by Hurricane Floyd's flood damage in 1999.
Putting this into perspective, that's 23 tornados in 46 years in the entire county. Most of the surrounding areas have eight or less. Of course, the other matter is: is this only for ones that touched down?
I don't feel that the risk is excessive, but YMMV. I think more people get killed skidding and crashing their cars on snow/ice in the Northeast than die in tornadoes in NC. Not to mention the number up here every year who freeze to death. Plus even New England gets 'em from time to time, but they are usually wimpy by OK standards.
We have had tornadoes and I believe we have had more than 6. We had a huge outbreak in 1984 and 6 or 7 people were killed including 3 children. That is not even talking about the injuries. We had one to come across the back yard in 1995. It missed our house and the 4 between us and the store. It hit the store and shredded it. Luckily the owner was at the doctor's office when it hit. A couple of years ago Chris and two of his co-workers were in the company truck and one just appeared out of no where. They had no where to go. It torn the truck up breaking the back glass out and the windshield not to mention other damage. They had laid down on top of each other as low as they could get and my husband is something like 6'4" and weighs about 215 pounds. But they all escaped without major injuries. He came home white as a sheet and with glass all over his clothes and hair and skin. This was just a F-1 or so but it was enough to scare the living daylights out of them.
There was just a Torndao in Holly Springs/Fuquay on Sunday that some say touched down and some say didn't. There was one that for sure touched down in Sanford on Sunday (there was a huge round of sever weather on Mother's day in cental NC). They don't happen too often. The last one to actually hit the city of Raleigh was in 1988 and it killed 5 people I believe. That was before I lived here. Durring summer there is a tornado warning probably at least once a week, but rarely do the aforwarned tornados actually touch down or cause any damage.
I better look for a house with a basement. I just can't help it. I know I sound nuts but it's a phobia of mine. I know I shouldn't let it keep me from moving but it sure is something for me to think about.
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