Death Due To Cyclone: Common Causes And How To Stay Safe

Cyclones are among the deadliest natural disasters, causing nearly 10,000 deaths every year worldwide. While strong winds get the most attention, flooding and storm surges account for almost 90% of cyclone-related deaths. Many fatalities also occur after the storm due to heart problems, infections, disrupted medical care like dialysis, and extreme stress. Understanding these risks is key to staying safe and since such disasters strike without warning, having term insurance ensures your family’s financial security if a tragic loss occurs.

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Causes Of Death Due To Cyclones

Understanding the cyclone causes of death is critical to reducing the risk of death due to cyclone-related disasters. The following outlines the primary cyclone causes of death to enhance awareness and encourage caution.

Storm Surge and Drowning: Approximately 90% of deaths associated with cyclones result from storm surges—rapid increases in sea level that inundate coastal regions, leading to the entrapment and drowning of individuals.
Heavy rainfall can result in sudden floods and overflowing streams, frequently impacting inland areas where residents might not anticipate the dangers associated with cyclones.
Structural collapse poses significant risks during extreme weather events. Powerful winds have the potential to obliterate homes and buildings, while objects such as metal sheets, trees, and other debris can lead to serious or even fatal injuries.
Following a cyclone, health emergencies can arise that lead to indirect deaths. A significant number of fatalities occur as a result of unsafe living conditions.
Reports indicate that kidney-related fatalities have risen by up to 92%. Factors such as missed dialysis sessions, dehydration, and heat stress are to blame for this increase.

Cyclones are dangerous because of their strong winds and threats to human life. Understanding these causes is crucial for preparedness in the face of cyclones and for safeguarding lives during natural disasters. Life insurance becomes an essential support system in times like these when things are so challenging. At a time when families are at their most vulnerable, it offers financial aid that may assist them in securing their future.

Read on to know more: Does term insurance cover death due to cyclones?

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Cyclone Safety Tips

Cyclones can develop rapidly, providing minimal time for response. Understanding the necessary actions to take before, during, and after a cyclone can significantly reduce the chances of injuries, fatalities, and long-term health issues. Following proven cyclone safety tips before, during, and after a storm can significantly reduce injuries, long-term health risks, and death due to cyclone events.

Preparation Prior To The Cyclone

Get your house in order by fixing any broken windows or doors, reinforcing the roof, and cutting down any brittle branches. Put plywood or shutters up to block the view.
Make sure you have everything you need in an emergency kit: water, food that won't spoil, a light, batteries, a first aid kit, medication, and any necessary paperwork in sealed containers.
Get rid of any heavy or pointed objects that might become flying debris.
Plan a head start on your evacuation preparations by identifying the nearest elevated refuge and the quickest way to get there to prevent any cyclone related deaths.

In The Course Of The Cyclone

Remain indoors: seek refuge in the most fortified area of your home, far from windows—ideally an inside room or passageway.
Evacuate if instructed: upon receiving an evacuation order from authorities, depart promptly and according to official instructions.
Deactivate utilities: Disconnect power and gas to decrease the danger of fires or electrocution.
Evade floodwaters: Refrain from traversing or driving through inundated regions, since they may conceal trash, uncovered drains, or polluted water.

Post-Cyclone Safety Protocols

Await official authorisation: Refrain from leaving until authorities verify safety.
Avoid broken power lines: fallen wires may remain energised and pose significant hazards.
Exercise caution about food and water: boil drinkable water and refrain from consuming fallen fruits or spoilt provisions.
Assist others: support neighbours, particularly the elderly, children, or anyone with impairments.

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To Wrap Up

Cyclones highlight the unpredictable power of nature, causing devastation during and long after the storm. By understanding cyclone causes of death, following timely cyclone safety tips, and preparing in advance, communities can reduce fatalities and suffering. Alongside physical preparedness, financial protection through term insurance helps families remain resilient during times of tragedy. Awareness, planning, and protection together can save lives and support recovery after a cyclone.

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FAQs

What measures can people take to safeguard themselves during a cyclone?

If your home is securely built on elevated terrain, take refuge inside. Evacuate promptly if instructed to do so. Secure windows with boards or build storm shutters.
What should an emergency kit for a cyclone include?

A cyclone emergency kit must provide sustenance for a minimum of 3-7 days in the absence of electricity or potable water, comprising:
Water, Food and Power
Health and Sanitation
Safety Tools
Keep essential documents in waterproof cases.
You should also carry extra clothing, durable footwear, blankets, and cash.
What is the safest place in a cyclone?

During a cyclone, remaining indoors is the safest option available. This includes areas such as a stairwell, a bathroom, or a hallway. It is advisable to stay away from windows and to have your safety kit readily accessible.

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˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Rs. 400/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 400/month (Rs.13/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. ₹361/month is the starting price for a ₹1 crore loan cover with an 8% interest rate for an 18-year-old male, non-smoker, with no pre-existing diseases, loan tenure up to 20 years, rounded off to the nearest 10

+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs.679/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

Women

+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.

1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.

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