KS tornado preparation

[Idan Narotzki]

Hi Kansas city investors/professionals/friends!

I am an out of state investor.
While planning to buy SFH in KS MO (fairwood-and-robandee), I was wondered:

1. How common are tornados in KS MO? when was the last one?

2. Is there Insurance that covers tornados damages? If so, does anyone has any estimation for it?

Appreciate your help! Thank you very much! 

[David Robertson]

Originally posted by @Idan Narotzki:

Hi Kansas city investors/professionals/friends!

I am an out of state investor.
While planning to buy SFH in KS MO (fairwood-and-robandee), I was wondered:

1. How common are tornados in KS MO? when was the last one?

2. Is there Insurance that covers tornados damages? If so, does anyone has any estimation for it?

Appreciate your help! Thank you very much! 

I have lived in Kansas City, MO for 32 years and have never seen a tornado.  Sure, we have a few small tornados in the area every year (which can be scary), but major EF3+ destructive tornados are pretty rare.  

In fact, I didn't even know about the tornados a few weeks ago...it looks like those were EF0 & EF1 (60 to 100MPH winds).

Most standard home insurance policies should include coverage for tornado damage.  Insurance is typically about .5% up to 1% of the property value.

I currently pay around .6% of my property value on an annual basis.