Disasters can happen anywhere and at any time. But some places experience more than their fair share of floods, tornadoes, hurricanes, winter storms and severe weather -- so much so that certain locales earn frightening nicknames, such as Tornado Alley. No matter where you live, make sure you have the right kinds and necessary amounts of insurance coverage to protect your finances. So where do these damaging events occur most frequently and severely? Kiplinger.com worked with the National Weather Service to identify the 10 states that have suffered the biggest estimated property losses from disasters over the last eight years. Take a look.