Embers start most house fires in a wildfire, twelve inches of water carries away a car, and heat kills indoors. None of the three behaves the way people picture.
Thirteen items across four hazards. Tick what is already true.Sources: Insurance Institute for Business & Home Safety, Near-Building Noncombustible Zone and Wildfire Prepared Home; National Weather Service flood safety data; FEMA and First Street Foundation flood exposure estimates; New York City Department of Health Heat Mortality Report 2026; CDC extreme heat guidance; Burke M et al., The contribution of wildfire to PM2.5 trends in the USA, Nature 2023. Full discussion in wildfire, flood water, extreme heat and air pollution.
Before you rely on this
This is a reference, not a verdict. It works from published rules and published research, applied to the handful of things you typed in. Real situations turn on details it never sees — whose name is on what, how a document is worded, which rules apply where you live, the specific facts of your case, and factors nobody has measured yet. A different answer from a professional who can see all of it is the one to trust.
Averages are not predictions. Where a figure here comes from a study, it describes what happened to a group of people on average. It does not say what will happen to you. An average is the right tool for deciding what to change and the wrong tool for deciding what is going to happen.
Nothing here is advice. Not financial, legal, medical, insurance or safety advice, and using this page creates no professional relationship of any kind. The sources are linked so you can check them yourself. For a decision that matters, ask someone who is accountable for the answer.