This publish is a part of a sequence sponsored by CoreLogic.
As property insurance coverage prices proceed to rise, owners and insurers alike are going through new challenges. Whereas hurricanes and wildfires usually dominate discussions round pure disasters, extreme convective storms (SCS) stay an underappreciated however important contributor to insured losses. The 2025 CoreLogic® Extreme Convective Storm Threat Report gives vital 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 Impression of Extreme Convective Storms in 2024
The report gives a complete overview of the affect of extreme convective storms in 2024. Not like hurricanes or earthquakes, SCS occasions happen regularly—typically day by day—throughout varied areas. These storms embrace 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 higher fell on over 567,000 houses throughout the U.S., with a mixed reconstruction price worth (RCV) of $160 billion.
Texas had essentially the most important affect, with over 180,000 houses affected. Roughly 72% of the houses with damaging hail affect have been in Texas, Nebraska, Missouri, Oklahoma and Kansas.
The variety of massive hail days in 2024 was increased 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, essentially 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 speedy claims surges, overwhelming processing techniques and sources.
The Extreme Convective Storm Threat Panorama for 2025
The 2025 CoreLogic® Extreme Convective Storm Threat Report additionally presents an in depth take 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 degree, Texas leads all states in hail, twister and straight-line wind threat focus attributable to its dimension, geographic place relative to SCS exercise and quite a few massive concentrations of houses. On the metropolitan degree, Chicago, IL leads in hail, twister and straight-line wind threat.
CoreLogic estimated that:
- over 41 million houses are at reasonable or higher threat to hail of 1 inch or extra with an RCV of $13.4 trillion
- over 66 million houses are at reasonable or higher threat to EF0 or stronger tornadoes with an RCV exceeding $21 trillion
- over 53 million houses are at reasonable or higher threat 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 gives an evaluation of how altering climate patterns could 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, could face even higher threats from massive hail, highly effective winds and tornadoes. Elevated atmospheric instability and moisture ranges are driving extra excessive climate, making proactive threat administration methods essential.
Know Your Threat. Speed up Your Restoration.™
Extreme convective storms deliver important and evolving challenges. Advances in climate verification and threat evaluation applied sciences have been invaluable in refining underwriting practices, expediting claims administration and figuring out high-risk areas. Nevertheless, the growing 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 threat 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 traits in SCS and their affect on the evolving threat panorama.
©2025 CoreLogic, Inc. All rights reserved. Whereas the entire content material and data is believed to be correct, the content material and data 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 data 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 data 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 emblems of CoreLogic, Inc. or its associates or subsidiaries.
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