Wow, even 28 miles inland!
We get really strong winds around Coeur d’Alene, Idaho. Sometimes they roar in off the prairies to the west, sometimes they blow in from Montana to the east. And we are in a heavily wooded area.
Before we bought the place, it was hit by a wind-downed tree around 2012. Major damage to the second floor and a lot of restoration work ensued together with a new addition at the rear and a new kitchen.
I lived in a duplex in Massillon, Ohio in the winter of ‘77 - ‘78. I was at my girlfriend’s one night when a big storm blew through and tree landed on my house — smack on the master bedroom. The tree trunk was on my bed! Talk about good luck being out of the house then!
It must be unnerving being self-insured for wind damage.
Please give us an idea of the ‘better’ h/o rates in Idaho. Can’t even be $1000 a year, is it ?
I have no trees that can fall on my place. Metal roof. Single level. So I consider the risk just one more life’s gamble. At least I’m not paying for those that live closer to the coast.