Natural disasters and severe weather events led to more than ₡1 billion in payouts for damaged homes last year, data from the National Insurance Institute ( INS ) shows. The institute handled 342 claims from homeowners, totaling ₡1,039,170,709 in compensation. These payments went to policyholders with what people often call fire insurance, though the coverage extends far beyond flames. It includes protection from floods, landslides, lightning, high winds, hurricanes, earthquakes, and theft. Without this safeguard, affected families would face the full cost of repairs or rebuilding on their own. Fires topped the list of incidents, with 109 claims. Floods came next at 76, followed by 66 cases from strong winds. Lightning caused 55 claims, and landslides rounded out the total with 36. Alajuela saw the activity, with 116 claims making up 34% of the national figure. San José reported 69, Puntarenas 54, and Cartago had the fewest at nine. Karla Huezo, deputy head of the INS general insura...