HAZARD

Extreme heat

The quiet, deadliest hazard — and increasingly common. Preparation is mostly about cooling and power.

FEMA National Risk Index & Ready.gov (reviewed) · reviewed 2026-07-06

What raises the risk

• More frequent days over 100°F and warmer nights.
• Urban heat islands and limited tree cover.
• Older homes without efficient cooling or shading.

How to prepare

• Ensure reliable cooling and know your nearest public cooling center.
• Improve shading, insulation, and reflective roofing to cut indoor heat.
• Check on older neighbours and those without air conditioning during heat waves.

Insurance

Heat rarely triggers a property claim directly, but it can raise energy costs and stress systems. A professional can advise on efficiency upgrades and any related coverage.