HAZARD
Ice storm
Freezing rain deposits ice on trees, power lines, and roofs, increasing structural loads and causing outages.
FEMA National Risk Index & Ready.gov (reviewed) · reviewed 2026-07-10
What raises the risk
- Geographic regions and seasons where freezing rain occurs—transitional cold-to-warm patterns in late fall and early spring.
- Ice accumulation on trees and power infrastructure, which adds weight and can cause failure and cascading outages.
- Proximity to utility lines and stands of trees that are vulnerable to ice loading.
How to prepare
- Trim tree branches overhanging your roof and power lines to reduce ice load and falling-limb risk.
- Stock backup power (generators, batteries), emergency supplies, and several days of drinking water before winter.
- Know how to safely turn off natural gas at the meter if needed; have a backup heat plan for extended outages.
Insurance
Ice storm damage is usually covered by standard homeowners insurance. Prepare for potential outages and tree damage; verify your policy covers tree removal and debris cleanup, and confirm coverage limits.
Where ice storm risk rates highest
Covered US counties with the highest FEMA Ice storm risk score (a national percentile):
- Harris County, TX100
- Dallas County, TX100
- Oklahoma County, OK100
- Tulsa County, OK100
- Middlesex County, MA100
- Sedgwick County, KS100
- Pulaski County, AR100
- Greenville County, SC100
General information, not insurance or financial advice. Risk varies by specific property — confirm your coverage and needs with a licensed professional.
