To assess the adequacy of your current natural disaster coverage, first review your insurance policies, including homeowners, renters, and auto insurance, to ensure they cover common local disasters like floods, earthquakes, wildfires, or hurricanes. Understand the exclusions and limits of each policy, such as whether flood damage or earthquake damage is covered, as these are often separate policies. Assess the replacement cost for your home, personal property, and other assets, comparing it with your policy’s coverage limits. Consider the deductibles, and verify if they are manageable in the event of a disaster. Evaluate your area’s specific risks and whether your coverage adequately addresses them. Additionally, consult with an insurance agent to discuss your needs, explore optional add-ons, and ask about any policy changes due to recent climate trends. Finally, keep track of your policy renewal dates and regularly update your coverage to match any changes in your assets or risk exposure.