Avalanches are extremely destructive due to the great impact forces of the rapidly moving snow and debris and the burial of areas in the runout zone. Structures not specifically designed to withstand the impacts are generally totally destroyed. Where avalanches cross highways, passing vehicles can be swept away, demolished and their occupants killed. Snow avalanches also imperil cross-country skiers, downhill skiers, and snowmobilers and several of the backcountry visitors perish each winter. Residences planned or erected in avalanche runout zones may not qualify for financing or insurance.