I never worried about extreme weather living here in Western Massachusetts. We've been so fortunate compared to other parts of the country. Then 2011 arrived and we experienced horrific flooding and tornadoes that I never thought I would live to see. Many homeowners discovered that their homeowners insurance did not cover the damage caused by the extremed weather. It is very important to meet with your insurance agent and make sure they explain exactly what is covered. You don't want to wait until it is too late.