Natural disasters are every homeowner’s worst nightmare. Some of the most common natural catastrophes in the United States include floods, droughts, wildfires, blizzards, tornadoes, heat waves, earthquakes, and thunderstorms. Billion-dollar disasters have been increasing over time. In the 1980s, most years experienced 2.7 such occurrences per year. By the 1990s and 2000s, that average nearly…