What Happens If You Lose Your Guns During A Natural Disaster?


While we never know when a natural disaster will occur, it’s best to be prepared for it. This means protecting our belongings as much as possible with enough insurance to cover them in the event of a natural disaster. Firearms are often a major question people have when it comes to whether they are protected. Unless you have firearm natural disaster insurance, you could be vulnerable to losing your guns for good if they are damaged, lost or stolen unexpectedly.

Here’s what you need to know about what could happen if you lose your firearms in a natural disaster.

firearms flood
Photo Credit: The Truth About Guns

Can Firearms Be Used After Being Submerged In Water?

When you have a separate firearm insurance policy, you can have peace of mind knowing they are covered if submerged in water by a flooding event. However, many gun owners want to know whether their precious firearms can still be used after they’ve been submerged in water for an extended time. The answer isn’t straightforward since it depends on many different factors. Before trying to use the gun, the National Shooting Sports Foundation and SAAMI suggests taking it to your local gunsmith for an evaluation to determine whether it is safe to use or can be salvaged. The answer they provide could play a major role in whether your gun insurance reimburses you for repairs or replaces the gun entirely.

Are Guns Covered By Insurance If Destroyed In A Natural Disaster?

guns destroyed in a tornado

There are a lot of different things to think about when experiencing a natural disaster. This could include flooding, fire, tornadoes, or anything else. While protecting your family is the first thing you should think about, your firearms are likely some of the most important belongings you want to protect. Many homeowners insurance policies will only cover a portion of the cost of the gun if it is lost or destroyed in a natural disaster. However, when you purchase a specific gun protection insurance policy from a reputable company, it could have a clause that protects your guns in these situations. The only way you can feel confident knowing your guns are protected is if you have firearm natural disaster insurance. It can be well worth it , especially if you have multiple guns to protect.

Many homeowners insurance policies will only cover a portion of the cost of the gun if it is lost or destroyed in a natural disaster.

In some natural disaster situations, you might realize your guns are lost after the event occurs. This is common during intense flooding when the guns are carried away by rushing water, or during a tornado where the gun is lifted and thrown far from your home (See this article about the 2020 Tennessee tornado). These situations are when firearm equipment insurance can become tricky through your homeowner’s insurance company. They might say your gun is lost rather than stolen and might not acknowledge the natural disaster as being the main reason why the gun is missing. Save yourself some headaches and invest in a good firearm liability insurance policy so you can have peace of mind no matter what happens to your guns.

Be Proactive To Ensure Your Firearms Are Protected

How protected your firearms are from a natural disaster comes down to how proactive you are. You might have firearm theft insurance or other types of hunting equipment insurance, but you have to make sure natural disasters are part of the coverage. A comprehensive firearm natural disaster insurance policy can give you peace of mind you won’t be able to achieve otherwise.

2A Shield offers every type of gun insurance you could need, including gun theft insurance. Our goal is to go above and beyond other insurance companies when it comes to the level of protection and services offered. We understand that many things can be out of your control and lead to gun loss, theft or damage. When you’re ready to protect your guns, contact us and we will explain the insurance policy that’s right for you.


Chris Brien

By Chris Brien
Chris is the founder of 2A Shield who believes you must protect the firearms and equipment that protects you, your family and the second amendment.   




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