The biggest weather risk for homeowners? It's no longer hurricanes.
Summary
New research shows that tornadoes, hail, and strong winds caused by climate change now cause more costly damage to homeowners than hurricanes and floods. In 2025, insurance payouts for these severe convective storms were higher worldwide, especially in the U.S., where such storms hit valuable property.Key Facts
- Severe convective storms (including tornadoes, hail, and strong winds) caused more insurance losses globally in 2025 than cyclones or hurricanes.
- Insurance payouts for these storms over the past 25 years totaled $794 billion, more than floods, earthquakes, and droughts combined.
- In 2025, these storms caused one-third of global natural disaster economic losses, with $82 billion in losses, $68 billion of which happened in the U.S.
- The U.S. has many valuable insured properties, which increases the financial impact of these storms.
- Homeowners' insurance usually covers damage from these storms, but costs and insurance premiums are rising, especially in the Midwest and northern Texas.
- Illinois, Ohio, North Carolina, and Georgia are particularly at risk due to large urban areas and property values.
- Severe convective storms cause frequent damage through hail, wind, and tornadoes, unlike hurricanes or earthquakes that cause fewer but larger disasters.
- Hail causes the highest insurance payouts among these storms because it damages homes, cars, and infrastructure over wide areas.
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