When it comes to weather and climate disasters, the clock is ticking. As the likelihood of a major climate event impacting your business surges higher each year, disaster recovery planning is critical.

In 2022, the U.S. experienced 18 separate weather or climate disasters that resulted in at least $1 billion each in damages (according to historical context from climate.gov).

It had the eighth most disaster-related fatalities for the connected U.S. since 1980, with 474 direct or indirect fatalities (according to climate.gov)

Damages from the 2022 disasters totaled $165.1 billion, and the combined cost from events of this caliber over the past 10 years totals $1.1 trillion from 152 separate billion-dollar events.(climate.gov).


Should a climate or weather disaster strike, your employees and customers need you to reopen as soon as possible. You are essential to your community’s recovery efforts, so take action now.

  • Know your risks. Find and review your county's hazard analysis or disaster mitigation plan to understand what events impact your geographic area.
  • Develop a plan to respond to each of the identified risks.
  • Your plan should take into account your business's essential operations, employees, equipment, suppliers, technology, and finance needs.

Inflation and supply chain issues are rapidly increasing the cost of rebuilding following a disaster. Review your policy limits and talk with a Federated marketing representative to help ensure that you have the proper coverage in place to fully recover from a climate or weather disaster. For more information on American Supply Association (ASA) and Federated Insurance, click here.

Federated Insurance is an ASA Association Partner and the recommended insurance provider for ASA member companies.