Last year, the total of large-scale floods, tornadoes, hurricanes and  the like climbed to 81. Few states are immune to natural disasters, and  each event affects thousands of homeowners who are forced to cope with  the physical and emotional damage, as well as the prospect of perhaps  not being able to manage their mortgage payments....<a title="Do you have to pay your mortgage if your house is destroyed?" href="http://library.hsh.com/articles/homeowners-repeat-buyers/do-you-have-to-pay-your-mortgage-if-your-house-is-destroyed.html?WT.qs_osrc=fxb" target="_blank">Read More...</a>