Michigan's increasing frequency of severe weather events poses significant risks to homeowners, including property damage from wind, hail, ice, and snow. The March 2025 ice storm caused widespread power outages and infrastructure damage but did not qualify for FEMA Individual Assistance, leaving many homeowners reliant solely on their insurance policies. Gaps in coverage, such as exclusions for flood damage or insufficient limits for tree and debris removal, can leave residents financially vulnerable. The rising number of billion-dollar weather events underscores the need for comprehensive insurance planning and disaster preparedness.