This publish is a part of a collection sponsored by CoreLogic.
As property insurance coverage prices proceed to rise, householders and insurers alike are going through new challenges. Whereas hurricanes and wildfires typically dominate discussions round pure disasters, extreme convective storms (SCS) stay an underappreciated however vital contributor to insured losses. The 2025 CoreLogic® Extreme Convective Storm Threat Report supplies crucial insights into the frequency, severity, geography and future dangers of SCS throughout the U.S., serving to insurers higher put together for the evolving menace panorama.
Insights from the Affect of Extreme Convective Storms in 2024
The report supplies a complete overview of the influence of extreme convective storms in 2024. In contrast to hurricanes or earthquakes, SCS occasions happen steadily—typically day by day—throughout numerous areas. These storms embody damaging hail, straight-line winds and tornadoes, inflicting billions in insured losses annually. The cumulative impact of frequent, smaller-scale occasions makes SCS a serious driver of claims.
In 2024 alone, CoreLogic Climate Forensics estimated that hail with a diameter of two inches or better fell on over 567,000 houses throughout the U.S., with a mixed reconstruction value worth (RCV) of $160 billion.
Texas had probably the most vital influence, with over 180,000 houses affected. Roughly 72% of the houses with damaging hail influence have been in Texas, Nebraska, Missouri, Oklahoma and Kansas.
The variety of massive hail days in 2024 was larger than the 20-year common, and there was a notable improve in “outbreak-type” extreme climate days—intense however concentrated occasions—moderately than extended stretches of extreme climate. For instance, probably the most impactful single hail occasion of 2024 occurred on Sep. 24 in Oklahoma Metropolis, the place damaging hail fell on 35,000 houses. These concentrated, high-severity occasions can result in fast claims surges, overwhelming processing methods and sources.
The Extreme Convective Storm Threat Panorama for 2025
The 2025 CoreLogic® Extreme Convective Storm Threat Report additionally affords an in depth have a look at the variety of and whole RCV of houses in danger to hailstorms, twister winds and straight-line winds on the metro and state ranges. On the state stage, Texas leads all states in hail, twister and straight-line wind danger focus attributable to its dimension, geographic place relative to SCS exercise and quite a few massive concentrations of houses. On the metropolitan stage, Chicago, IL leads in hail, twister and straight-line wind danger.
CoreLogic estimated that:
- over 41 million houses are at average or better danger to hail of 1 inch or extra with an RCV of $13.4 trillion
- over 66 million houses are at average or better danger to EF0 or stronger tornadoes with an RCV exceeding $21 trillion
- over 53 million houses are at average or better danger to winds of 65 mph or extra with an RCV of $18.6 trillion
Future Local weather Traits and the Want for Resilience
The 2025 CoreLogic® Extreme Convective Storm Threat Report additionally supplies an evaluation of how altering climate patterns might intensify and shift the geography of extreme convective storm dangers throughout the U.S. CoreLogic’s Local weather Threat Analytics (CRA) suite tasks that within the subsequent 5 to 25 years, areas of the U.S., notably the Midwest and South, might face even better threats from massive hail, highly effective winds and tornadoes. Elevated atmospheric instability and moisture ranges are driving extra excessive climate, making proactive danger administration methods essential.
Know Your Threat. Speed up Your Restoration.™
Extreme convective storms deliver vital and evolving challenges. Advances in climate verification and danger evaluation applied sciences have been invaluable in refining underwriting practices, expediting claims administration and figuring out high-risk areas. Nevertheless, the rising depth and shifting patterns of SCS exercise, pushed by local weather change, emphasize the necessity for continued innovation and proactive resilience planning. By leveraging instruments like CoreLogic’s danger scores and local weather analytics, insurers can higher anticipate and mitigate the impacts of extreme climate, safeguarding properties and communities as the danger panorama evolves.
Obtain the complete 2025 CoreLogic® SCS Threat Report to achieve complete insights into the newest tendencies in SCS and their influence on the evolving danger panorama.
©2025 CoreLogic, Inc. All rights reserved. Whereas the entire content material and knowledge is believed to be correct, the content material and knowledge is offered “as is” with no assure, illustration, or guarantee, categorical or implied, of any type together with however not restricted to as to the merchantability, non-infringement of mental property rights, completeness, accuracy, applicability, or health, in reference to the content material or info or the merchandise or any AI options or content material thereof and assumes no accountability or legal responsibility by any means for the content material or info or the merchandise or any AI options or content material thereof or any reliance thereon. CoreLogic® and Know Your Threat. Speed up Your Restoration.™ are the logos of CoreLogic, Inc. or its associates or subsidiaries.
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