Hail volatility and growing older roofs are driving greater residential substitute severity, a brand new research by information analytics and know-how supplier Verisk finds.
Roof losses didn’t gradual regardless of a 20 p.c decline in general claims quantity in 2025.
Information confirmed that the common U.S. residential substitute prices jumped 33% and restore prices climbed 25% in 2025, in comparison with the prior four-year common.
Common residential roof substitute prices reached $17,631 in 2025, with restore prices averaging $4,699.
Residential roof substitute value worth (RCV) declined to $23 billion in 2025, in comparison with a mean of $24.4 billion from 2021 to 2024, the research discovered. The 2025 decline was pushed by a restricted U.S. landfall hurricane season, although RCV remained elevated.
In Verisk Threat Analyzer-designated hail states, 57% of residential properties have roofs 9 years outdated or newer, in contrast with 38% in non-hail states, highlighting sooner substitute cycles alongside vital native volatility.
The Midwest and Northeast have the very best shares of older residential roofs (31+ years), at 17% and 18%, respectively, in contrast with simply 4% within the South.
The research discovered that hail volatility and growing older roof inventory are driving elevated threat throughout U.S. insurance coverage, building and housing markets.
Roofing claims signify a big portion of all property claims inside the U.S., with roofing line gadgets representing roughly 30% of all line gadgets inside claims estimates. As such, roofing traits are sometimes in keeping with bigger claims traits.
Roofs which are visibly in average to poor situation present roughly 60 p.c greater loss prices than roofs in good or glorious situation, in line with Verisk’s Roof Situation Rating (RCS) 2025 baseline information.
Extreme hail exercise – thought of to be hail larger than or equal to 1 inch in diameter – was concentrated within the Central Plains, whereas earlier years have been extra impactful to the Northern and Southern Plains. Arkansas, Kansas, Nebraska, Oklahoma and South Dakota rank among the many prime states by the share of roofs impacted by extreme hail.
Sixteen states within the U.S. skilled extreme hail impacts on greater than 20% of roofs, up from twelve in 2024.
12 months-to-year, “large” hail (larger than or equal to 2 inches) tends to comply with extra secure geographic patterns, whereas “giant” hail (1–2 inches) exhibits a lot wider metro-level volatility, with a whole lot of native markets experiencing significant year-to-year will increase in hail exercise, information confirmed.
“Hail threat isn’t just about one monster storm; it’s the cadence of frequent, smaller-scale occasions that may quickly age and weaken a roof,” mentioned Tory Farney, vice chairman, Verisk Climate Options. “Massive hail could trigger much less harm per occasion than large hail, however its wider footprint and yr to yr variability can drive sudden concentrations of harm. Understanding the place hail is most probably to cluster helps insurers, contractors and communities put together for sooner, extra resilient restoration.”
Verisk discovered that the nation’s roof stock highlighted putting regional variations that straight correlate with the publicity patterns.
- South: 28% of roofs are 0–4 years outdated, and solely 4% are 31 years or older, reflecting a better turnover pushed by extreme climate occasions and speedy housing development.
- Midwest: 21% of roofs are 0–4 years outdated, whereas 17% are 31 years or older.
- Northeast: 14% of roofs are 0–4 years outdated; 18% are 31 years or older.
- West: 20% of roofs are 0–4 years outdated; 11% are 31 years or older.
“Precisely assessing roof age, situation and remaining life is a crucial a part of understanding a property’s vulnerability to wind and hail,” mentioned Ryan D’Amario, senior vice chairman of property product administration at Verisk. “Aerial imagery analytics reveal that, as of 2025, 38 p.c of U.S. residential houses present average to poor roof situation—usually with seen defects that may materially affect efficiency throughout extreme climate. When greater than a 3rd of the housing inventory falls into this class, roof situation turns into a core underwriting sign that has significant implications for threat choice, loss predictability and pricing accuracy.”
Compounding the rising prices, inflation in roofing supplies continues to outpace labor prices, at the same time as nationwide averages masks vital variation throughout states, the information highlighted. In 2025, roofer labor prices elevated 0.79%, in contrast with a 1.48% rise in roofing materials prices.
Sharp regional swings in materials pricing additionally contribute to rising prices. For instance, roofing materials prices climbed 10.37% in Nevada in 2025, whereas declining 15.80% in New Hampshire.
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