{"id":11880,"date":"2025-11-18T05:01:23","date_gmt":"2025-11-18T05:01:23","guid":{"rendered":"https:\/\/youset.ca\/?p=11880"},"modified":"2026-03-16T12:14:51","modified_gmt":"2026-03-16T12:14:51","slug":"natural-disasters-in-canada-by-the-numbers","status":"publish","type":"post","link":"https:\/\/youset.ca\/en\/blog\/natural-disasters-in-canada-by-the-numbers\/","title":{"rendered":"Natural Disasters in Canada by the Numbers"},"content":{"rendered":"\n<p><span style=\"font-weight: 400;\">Canada\u2019s vast geography and diverse climate mean no province or territory is completely safe from nature\u2019s extremes. In fact, the <\/span><a href=\"https:\/\/www.publicsafety.gc.ca\/cnt\/rsrcs\/cndn-dsstr-dtbs\/index-en.aspx\"><span style=\"font-weight: 400;\">Canadian Disaster Database<\/span><\/a> <span style=\"font-weight: 400;\"> (CDD) has recorded 853 significant events since 1900 that meet criteria such as 10 or more deaths, 100+ people affected, appeals for national or international assistance, historical significance, or major damage or disruption to daily life.<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">So, what types of natural disasters are most commonly recorded in the CDD?<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\"><a href=\"#floods\">Floods<\/a>: 336&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><a href=\"#severe-thunderstorms\">Severe thunderstorms<\/a>: 141<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><a href=\"#wildfires\">Wildfires<\/a>: 113&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><a href=\"#winter-storms\">Winter storms<\/a>: 89<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><a href=\"#tornadoes\">Tornadoes<\/a>: 51&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><a href=\"#landslides\">Landslides<\/a>: 40<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><a href=\"#hurricanes\">Hurricanes<\/a>: 39<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><a href=\"#avalanches\">Avalanches<\/a>: 17<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><a href=\"#earthquakes\">Earthquakes<\/a>: 12&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><a href=\"#storm-surges\">Storm surges<\/a>: 10&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><a href=\"#tsunamis\">Tsunamis<\/a>: 5<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">In this blog, you\u2019ll learn more about the most common natural disasters in Canada, where they\u2019re most likely to occur, and how insurance can help protect your home and belongings when disaster strikes.&nbsp;<\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_d65436eb059d3747da07ed4dd59038c7\" class=\"post-block py-8\">\n\t\t<div class=\"py-8 md:py-11 px-6 md:px-12 rounded-l-lg border-l-8 border-indigo-500 bg-grayBluish-50\">\n\t\t\t\t\t\t\t<h3 class=\"text-grayBluish-900 mb-6\">Key takeaways<\/h3>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose body-2 text-grayBluish-900\"><p><span style=\"font-weight: 400;\">Since 1900, the Canadian Disaster Database has recorded over 850 major disasters. Floods are by far the most common, followed by severe thunderstorms, wildfires, and winter storms, while events like earthquakes, storm surges, and tsunamis are much rarer.\u00a0<\/span><\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t<\/section>\n\n\n\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-floods\"><a id=\"floods\"><\/a> Floods<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">A flood happens when water overflows onto dry land, whether from heavy rain, overflowing rivers, melting snow, or coastal storm surges. Given these causes, floods can\u2014and do\u2014happen all across Canada. The Historical Flood Events map created by <\/span><a href=\"https:\/\/natural-resources.canada.ca\/science-data\/science-research\/geomatics\/new-major-flood-events-now-available-historical-flood-events-layer\"><span style=\"font-weight: 400;\">Natural Resources Canada<\/span><\/a><span style=\"font-weight: 400;\">, however, shows that a few regions are particularly prone to flooding, with the greatest number of events recorded in:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Quebec along the St. Lawrence River,<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">The Maritimes, especially New Brunswick, Nova Scotia, and Prince Edward Island<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Coastal British Columbia<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Southern Manitoba (Red River Valley)<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Standard home insurance policies in Canada generally do not cover flooding, which is why it\u2019s often recommended that you add <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/what-is-overland-water-coverage\/\"><span style=\"font-weight: 400;\">overland water coverage<\/span><\/a><span style=\"font-weight: 400;\">. Given that <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/does-tenant-insurance-cover-water-damage\/\"><span style=\"font-weight: 400;\">water damage<\/span><\/a> <span style=\"font-weight: 400;\"> of this nature has the potential to ruin floors, walls, electrical systems, and anything you own that\u2019s not up high, additional coverage that specifically protects against flood-related damage can be a crucial safeguard for your home and belongings.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-major-floods-in-canada\">Major floods in Canada<\/h3>\n\n\n\n<p><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27FL%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=1426\"><span style=\"font-weight: 400;\">2020<\/span><\/a><span style=\"font-weight: 400;\">: Regional Municipality of Wood Buffalo in Alberta\u201313,000 people evacuated, 1,200 structures damaged with $549M in insured losses<\/span>\n\n<a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27FL%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=1425\"><span style=\"font-weight: 400;\">2020<\/span><\/a><span style=\"font-weight: 400;\">: Fort Vermilion, Alberta\u2013450 residents evacuated, causing damage to homes, businesses and local infrastructure<\/span>\n\n<a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27FL%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=1168\"><span style=\"font-weight: 400;\">2019<\/span><\/a><span style=\"font-weight: 400;\">: Ontario, Quebec, and New Brunswick had extensive flooding caused by heavy rainfall and melting snow. One fatality was reported, and over 2,000 Canadian Forces personnel were deployed<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-severe-thunderstorms\"><a id=\"severe-thunderstorms\"><\/a> Severe thunderstorms<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Thunderstorms regularly occur across much of Canada, especially during the warmer months. While a regular thunderstorm might bring a brief downpour or some gusty winds, severe thunderstorms often come with heavy rain, strong winds, lightning, and sometimes hail. They can dent vehicles, flood basements, and break the windows of <a href=\"https:\/\/youset.ca\/en\/blog\/high-rise-condo-vs-lose-rise-condo\/\">high-rise condos<\/a>. Severe thunderstorms can even precede or occur alongside a tornado.<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Should wind or <a href=\"https:\/\/youset.ca\/en\/blog\/hail-damage-and-car-insurance\/\">hail damage<\/a> your home or belongings, your insurance policy may offer some protection, depending on your specific coverage and insurer. In many cases, additional endorsements are required to protect against certain types of water damage, such as flooding from the ground.<\/span> \u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-major-thunderstorms-in-canada\">Major thunderstorms in Canada<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27ST%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=1453\"><span style=\"font-weight: 400;\">2020<\/span><\/a><span style=\"font-weight: 400;\">: Calgary, Alberta&nbsp;<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27ST%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=1455\"><span style=\"font-weight: 400;\">2019<\/span><\/a><span style=\"font-weight: 400;\">: Spruce Grove, Alberta&nbsp;<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27ST%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=1164\"><span style=\"font-weight: 400;\">2018<\/span><\/a><span style=\"font-weight: 400;\">: British Columbia<\/span><\/li>\n<\/ul>\n\n\n\n\t<section id=\"post-cta-block_2e334dbbdc4346cfee21fcfa05f31439\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\t\t<div class=\"lg:flex justify-between gap-x-6 rounded-lg bg-indigo-600 px-8 py-7 shadow-[0_2px_10px_0_theme(colors.surface.background.disabled)]\">\n\t\t\t\t\t\t\t<h3 class=\"text-white lg:mb-0\">Get the best price on insurance year-after-year<\/h3>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.app.youset.ca\/start?lng=en&#038;externalId=blog\" class=\"the-button the-button--white !text-text-primary\">Get a quote<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/section>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-wildfires\"><a id=\"wildfires\"><\/a> Wildfires<\/h2>\n\n\n\n<p><a href=\"https:\/\/youset.ca\/en\/blog\/forest-fires-and-insurance-canada\/#:~:text=Homeowners'%20insurance%20policies%20typically%20cover,spend%20above%20your%20usual%20budget.\"><span style=\"font-weight: 400;\">Wildfires<\/span><\/a> <span style=\"font-weight: 400;\"> are fast-moving blazes that burn through forests, grasslands, and sometimes entire towns in dry conditions. They can destroy homes and force long evacuations, leaving people without a home for weeks or months. Unfortunately, <\/span><a href=\"https:\/\/www.cbc.ca\/news\/canada\/sudbury\/forest-fires-northern-ontario\"><span style=\"font-weight: 400;\">wildfires are becoming more frequent and intense<\/span><\/a> <span style=\"font-weight: 400;\"> in Canada, especially in:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">British Columbia&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Alberta<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Parts of Northern Ontario and Quebec during the dry summer months&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Unlike other natural disasters, <\/span><a href=\"https:\/\/www.ibc.ca\/stay-protected\/severe-weather-centre\/wildfire-season\"><span style=\"font-weight: 400;\">all standard home insurance policies<\/span><\/a> <span style=\"font-weight: 400;\"> cover damage caused by <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/does-home-insurance-cover-fires\/\"><span style=\"font-weight: 400;\">fire<\/span><\/a><span style=\"font-weight: 400;\">. While this typically includes repairs to your home, replacing your belongings, and covering additional living expenses if your home becomes uninhabitable, bear in mind that conditions and coverage limits may vary between insurers and individual policies.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-major-wildfires-in-canada\">Major wildfires in Canada<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27WF%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=1363\"><span style=\"font-weight: 400;\">2020<\/span><\/a><span style=\"font-weight: 400;\">: British Columbia\u2013special air quality statements were issued for BC and southwestern Alberta. Vancouver experienced some of the worst air quality conditions in the world.&nbsp;<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27WF%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=1473\"><span style=\"font-weight: 400;\">2019<\/span><\/a><span style=\"font-weight: 400;\">: Pikangikum First Nation\u2013state of emergency with 2,500 residents evacuated<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27WF%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=1474\"><span style=\"font-weight: 400;\">2019<\/span><\/a><span style=\"font-weight: 400;\">: High Level, Alberta\u2013out-of-control fires caused over 3,000 residents to evacuate, with many homes destroyed<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-winter-storms\"><a id=\"winter-storms\"><\/a> Winter storms<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Winter storms bring heavy snow, freezing rain, and high winds\u2014something the vast majority of Canadians, except perhaps those living in Canada\u2019s mildest coastal areas, are all too familiar with.<\/span> <span style=\"font-weight: 400;\">While a regular snowstorm is mostly an inconvenience, a severe winter storm can damage roofs, knock out power, cause ice dams, and block roads for days.\u00a0<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Fortunately, standard home insurance policies typically cover sudden damage from winter storms, like a roof collapsing from heavy snow. That said, overland water coverage may be required if water damage caused by melting snow or ice dams occurs.<\/span> \u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-major-winter-storms-in-canada\">Major winter storms in Canada<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27SW%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=1482\"><span style=\"font-weight: 400;\">2020<\/span><\/a><span style=\"font-weight: 400;\">: Avalon Peninsula and Bell Island, Newfoundland<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27SW%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=1483\"><span style=\"font-weight: 400;\">2020<\/span><\/a><span style=\"font-weight: 400;\">: Southern Ontario and southern Quebec<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27SW%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=1479\"><span style=\"font-weight: 400;\">2019<\/span><\/a><span style=\"font-weight: 400;\">: Southern Manitoba<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-tornadoes\"><a id=\"tornadoes\"><\/a> Tornadoes<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Tornadoes are powerful, rotating columns of air that stretch from thunderclouds down to the ground, with wind speeds that can exceed 200 km\/h. They can rip apart roofs, smash windows, uproot trees, and send debris flying, and they\u2019re usually accompanied by hail, lightning, and torrential rain.\u00a0<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Like floods, tornadoes can occur anywhere in Canada, with dozens reported each year. However, the <\/span><a href=\"https:\/\/www.uwo.ca\/ntp\/faqs\/where_do_tornadoes_occur_in_canada.html\"><span style=\"font-weight: 400;\">Northern Tornadoes Project<\/span><\/a> <span style=\"font-weight: 400;\"> at Western University notes that they are most likely in regions that are \u201cextensions of tornado-active areas in the United States,\u201d including:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Southern Alberta<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Southern Saskatchewan<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Southern Manitoba<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Ontario&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Southern Quebec<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">New Brunswick<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Standard home, <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/how-to-read-your-tenant-insurance-policy\/\"><span style=\"font-weight: 400;\">tenant<\/span><\/a><span style=\"font-weight: 400;\">, and condo insurance policies can cover damage caused by high winds or tornadoes, including the cost of repairing or rebuilding your home and replacing lost or damaged belongings. That said, never assume you\u2019re fully covered without reviewing your policy. Always look at your policy\u2019s unique exclusions, conditions, and coverage limits yourself.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-major-tornadoes-in-canada\">Major tornadoes in Canada<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27TO%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=1153\"><span style=\"font-weight: 400;\">2018<\/span><\/a><span style=\"font-weight: 400;\">: National Capital Region\u2013tornado outbreak causing $334M in damage<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27TO%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=1119\"><span style=\"font-weight: 400;\">2016<\/span><\/a><span style=\"font-weight: 400;\">: Long Plain First Nation, MB\u2013an EF1 tornado damaged over 200 homes and 600+ displacements&nbsp;<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27TO%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=1084\"><span style=\"font-weight: 400;\">2015<\/span><\/a><span style=\"font-weight: 400;\">: Southern Ontario\u2013three tornadoes with winds over 200km\/h, leaving 150,000 without power<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-landslides\"><a id=\"landslides\"><\/a> Landslides<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">A landslide happens when rock, earth, or debris slides down a slope, often after heavy rainfall, earthquakes, or rapid snowmelt. It can destroy homes in seconds and bury roads, cutting off entire communities. According to the <\/span><a href=\"https:\/\/www.getprepared.gc.ca\/cnt\/hzd\/lndslds-en.aspx\"><span style=\"font-weight: 400;\">Government of Canada<\/span><\/a><span style=\"font-weight: 400;\">, landslides are most likely to happen in:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">British Columbia and Alberta, especially in mountainous regions<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">St. Lawrence Lowlands of Ontario and Quebec<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Newfoundland and Labrador&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Landslide damage isn\u2019t typically included in standard home insurance. Some specialized policies or endorsements might offer coverage, but availability and terms can vary depending on the insurance provider and your location.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-major-landslides-in-canada\">Major landslides in Canada<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27LS%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=1112\"><span style=\"font-weight: 400;\">2016<\/span><\/a><span style=\"font-weight: 400;\">: Horton, ON\u2013a 10-hectare landslide resulting in flooding&nbsp;<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27LS%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=472\"><span style=\"font-weight: 400;\">2007<\/span><\/a><span style=\"font-weight: 400;\">: Daniels Harbour, NL<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27LS%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=388\"><span style=\"font-weight: 400;\">2005<\/span><\/a><span style=\"font-weight: 400;\">: North Vancouver, BC\u2013one death and 100 homes evacuated&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-hurricanes\"><a id=\"hurricanes\"><\/a> Hurricanes<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Hurricanes are powerful tropical storms with extreme winds and heavy rain. They can rip off tree roots, <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/flooded-basement-and-insurance\/\"><span style=\"font-weight: 400;\">flood basements<\/span><\/a><span style=\"font-weight: 400;\">, and knock down power lines, causing widespread outages that last for days or even weeks.\u00a0<\/span> <span style=\"font-weight: 400;\">Hurricanes can, and have, occurred along both of Canada\u2019s major coasts, though storms <\/span><a href=\"https:\/\/globalnews.ca\/news\/3700345\/hurricane-canada-where-storm-will-hit\/\"><span style=\"font-weight: 400;\">stronger than Category 3 are unlikely<\/span><\/a> <span style=\"font-weight: 400;\"> due to the cooler northern waters of the Atlantic and Pacific. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">That said, Atlantic Canada experiences, on average, <\/span><a href=\"https:\/\/www.canada.ca\/en\/environment-climate-change\/services\/hurricane-forecasts-facts\/frequently-asked-questions.html\"><span style=\"font-weight: 400;\">one hurricane every three years<\/span><\/a><span style=\"font-weight: 400;\">.<\/span> <span style=\"font-weight: 400;\">While many policies provide some level of protection against wind damage, coverage for water-related losses\u2014including flooding or storm surge\u2014varies by insurer and may require additional endorsements.\u00a0<\/span> \u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-major-hurricanes-in-canada\">Major hurricanes in Canada<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27HU%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=1434\"><span style=\"font-weight: 400;\">2019<\/span><\/a><span style=\"font-weight: 400;\">: Atlantic Canada\u2013estimated $105M losses<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27HU%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=1077\"><span style=\"font-weight: 400;\">2014<\/span><\/a><span style=\"font-weight: 400;\">: Quebec, New Brunswick, Nova Scotia, and Prince Edward Island\u2013over 313,000 homes and businesses without power&nbsp;<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27HU%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=1031\"><span style=\"font-weight: 400;\">2011<\/span><\/a><span style=\"font-weight: 400;\">: Quebec, New Brunswick, Nova Scotia, Prince Edward Island, and Newfoundland and Labrador\u20132 fatalities&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-avalanches\"><a id=\"avalanches\"><\/a> Avalanches<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">An avalanche is a rapid flow of snow down a mountainside, often triggered by weather changes or natural shifts in the snowpack. They can wipe out entire structures, bury roads, and cut off access to mountain communities. Given that avalanches occur in mountainous areas, the risk is concentrated mainly to British Columbia and Alberta.<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Insurance coverage for avalanche damage is less straightforward than for some other natural disasters. While some policies may cover damage caused by an avalanche, others may not unless the avalanche was triggered by an earthquake and you have earthquake coverage.\u00a0<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">It\u2019s always best to consult your insurance provider to understand exactly what your policy includes and whether additional coverage is needed, especially if you live in an area where avalanches are a concern. <\/span> \u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-major-avalanches-in-canada\">Major avalanches in Canada<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27AV%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=1244\"><span style=\"font-weight: 400;\">2008<\/span><\/a><span style=\"font-weight: 400;\">: Harvey Pass, British Columbia\u20138 fatalities&nbsp;<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27AV%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=364\"><span style=\"font-weight: 400;\">2003<\/span><\/a><span style=\"font-weight: 400;\">: Western Canada\u201330 fatalities&nbsp;<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27AV%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=323\"><span style=\"font-weight: 400;\">1999<\/span><\/a><span style=\"font-weight: 400;\">: Glacier National Park, BC\u20131 fatality<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-earthquakes\"><a id=\"earthquakes\"><\/a> Earthquakes<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">An earthquake is when the ground suddenly shakes because of movement deep beneath the Earth\u2019s surface, usually along fault lines where tectonic plates meet. A strong earthquake can damage homes, crack the foundations, or break water and gas lines. In coastal areas, it can even trigger landslides or tsunamis.\u00a0<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Most standard <\/span><a href=\"https:\/\/youset.ca\/en\/home-insurance-guide\/\"><span style=\"font-weight: 400;\">home insurance policies<\/span><\/a> <span style=\"font-weight: 400;\"> in Canada don\u2019t automatically cover earthquake damage. Instead, it\u2019s usually offered as an optional add-on. Considering the significant damage earthquakes can cause to buildings and personal belongings, this coverage is often recommended for those living in high-risk areas, including:\u00a0<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">British Columbia, especially Vancouver Island and the Lower Mainland<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Parts of Southern Quebec and Southeastern Ontario, especially along the St. Lawrence and Ottawa River valleys<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-major-earthquakes-in-canada\">Major earthquakes in Canada<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27EQ%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=532\"><span style=\"font-weight: 400;\">2010<\/span><\/a><span style=\"font-weight: 400;\">: Magnitude 5.0 earthquake in Val-des-Bois and Gracefield, QC, caused two landslides and damage to roads&nbsp;<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27EQ%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=116\"><span style=\"font-weight: 400;\">1989<\/span><\/a><span style=\"font-weight: 400;\">: Magnitude 6.3 earthquake in Ungava Peninsula, QC, produced surface faulting<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27EQ%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=95\">1988<\/a>: Magnitude 6.0 earthquake in Saguenay Region, QC, costing over $37M<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-storm-surges\"><a id=\"storm-surges\"><\/a> Storm surges<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">A storm surge is an abnormal rise in the sea level, usually caused by strong winds from hurricanes or other large storms. It can push seawater far inland, flooding coastal homes and damaging foundations.\u00a0<\/span><\/p>\n\n\n\n<p> <span style=\"font-weight: 400;\">While often associated with the ocean, storm surges can <\/span><a href=\"https:\/\/www.getprepared.gc.ca\/cnt\/hzd\/strmsrgs-en.aspx\"><span style=\"font-weight: 400;\">also affect large lakes<\/span><\/a><span style=\"font-weight: 400;\">. That means it&#8217;s not just the Atlantic and Pacific coasts at risk, but the St. Lawrence Estuary, the Beaufort Sea, and the Great Lakes that are at risk of coastal flooding.<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Like tsunamis, storm surges are not typically covered by standard home insurance. To be protected, homeowners, tenants, or condo owners in coastal areas usually need additional coverage, such as overland water coverage, in place before the damage occurs.<\/span> \u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-major-storm-surges-in-canada\">Major storm surges in Canada<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27SS%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=546\"><span style=\"font-weight: 400;\">2010<\/span><\/a><span style=\"font-weight: 400;\">: Baie-Verte and Port Elgin, NB<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27SS%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=406\"><span style=\"font-weight: 400;\">2006<\/span><\/a><span style=\"font-weight: 400;\">: Delta, BC<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27SS%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=387\">2004<\/a>: Kings County, PE<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-tsunamis\"><a id=\"tsunamis\"><\/a> Tsunamis<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Tsunamis are massive ocean waves caused by underwater earthquakes, volcanic activity, or landslides. They can flood entire coastal areas, damage structures, and wipe out infrastructure. While the <\/span><a href=\"https:\/\/climatereadybc.gov.bc.ca\/pages\/tsunamis\"><span style=\"font-weight: 400;\">west coast of British Columbia<\/span><\/a> <span style=\"font-weight: 400;\"> is most at risk, bear in mind that tsunamis in Canada are rare, with only five major events recorded in the Canadian Disaster Database since 1900.<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">That said, if a tsunami were to occur and damage your home or belongings, a standard home insurance policy would likely not provide sufficient coverage. You would need to have added overland water coverage (or an equivalent) to your home, tenant, or condo insurance policy before the damage occurred in order to be eligible to file a claim.<\/span> \u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-major-tsunamis-in-canada\">Major tsunamis in Canada<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27TS%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=1340\"><span style=\"font-weight: 400;\">1975<\/span><\/a><span style=\"font-weight: 400;\">: Kitimat, BC<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27TS%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=753\"><span style=\"font-weight: 400;\">1964<\/span><\/a><span style=\"font-weight: 400;\">: Port Alberni, BC<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27TS%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=720\"><span style=\"font-weight: 400;\">1960<\/span><\/a><span style=\"font-weight: 400;\">: British Columbia <\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/cdd.publicsafety.gc.ca\/dtpg-eng.aspx?cultureCode=en-Ca&amp;provinces=1%2c2%2c3%2c4%2c5%2c6%2c7%2c8%2c9%2c10%2c11%2c12%2c13&amp;eventTypes=%27TS%27&amp;normalizedCostYear=1&amp;dynamic=false&amp;eventId=607\">1929<\/a>: Burin Peninsula, NL<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Canada\u2019s vast geography and diverse climate mean no province or territory is completely safe from nature\u2019s extremes. In fact, the Canadian Disaster Database (CDD) has recorded 853 significant events since 1900 that meet criteria such as 10 or more deaths, 100+ people affected, appeals for national or international assistance, historical [&hellip;]<\/p>\n","protected":false},"author":20,"featured_media":11882,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[459,467,453,451,463],"tags":[],"class_list":["post-11880","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance","category-condo-insurance","category-home-insurance","category-insurance-tips","category-tenant-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Natural Disasters in Canada by the Numbers - YouSet<\/title>\n<meta name=\"description\" content=\"Does living near a fire hydrant lower your insurance premium? 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