Summertime brings some of the worst weather months of the year in the U.S. as hurricane season collides with peak-wildfire season leading into the fall.

After several consecutive record-breaking catastrophe loss years, the forecast for 2020 doesn't provide any relief for homeowners in at-risk areas or insurers, as it is presently on pace to be the most disaster-heavy year ever. As of June 1, FEMA has declared more disasters this year than any other except 2011.

Extreme weather affects all regions of the U.S., but some states are left paying for significantly more of the cost than most.