This post is part of a series sponsored by CoreLogic.
As property insurance costs continue to rise, homeowners and insurance companies are facing new challenges. Although hurricanes and wildfires often dominate discussions around natural disasters, severe convective storms (SCs) remain underestimated but important contributors to insured losses. The 2025 CoreLogic® Severe Convective Risk Report provides key insights into the frequency, severity, geography and future risks of U.S. SCs, thereby helping insurers better prepare for the evolving threat landscape.
Insights on the impact of severe convective storms in 2024
The report provides a comprehensive overview of the impact of severe convective storms in 2024. Unlike hurricanes or earthquakes, SCS events occur frequently (sometimes in various regions every day). These storms include damage to hail, straight winds and tornadoes, causing billions of dollars in damage each year. The cumulative effect of frequent smaller-scale events makes SCS the main driver of the claim.
In 2024 alone, Corelogic Weather Forensic estimates hail 2 inches or higher across the United States fall on more than 567,000 homes across the United States, with a co-reconstruction cost value (RCV) of $160 billion.
Texas has the greatest impact, with more than 180,000 households. In Texas, Nebraska, Missouri, Oklahoma and Kansas, about 72% of homes have dangerous hail effects.
Hail days in 2024 are above the 20-year average, and “explosion” bad weather (explosion, but concentrated events) extends more than long-term bad weather. For example, the most influential single ice cream incident of 2024 occurred on September 24 in Oklahoma City, where harmful hail fell on 35,000 homes. These concentrated height events could lead to a rapid surge in claims, overwhelming processing systems and resources.
Severe convection risk landscape in 2025
The 2025 CoreLogic® Severe Convective Risk Risk Report also details the number and total RCV of homes at the subway and state levels at the risk of hail, tornado and straight wind. At the state level, Texas leads all states with hail, tornado and straight wind risk concentrations due to its size, geographical location relative to SCS activity, and a large concentration of houses. Tornado, tornado and straight wind risk in Metropolitan Level, Chicago, Illinois.
Corelogic estimates:
- Risks or greater for more than 41 million households, hail is 1 inch or higher, RCV is $13.4 trillion
- More than 66 million homes have more than $21 trillion risk to EF0 or more powerful tornadoes
- More than 53 million households have a risk of 65 mph and RCV of $18.6 trillion
Future climate trends and demand for resilience
The 2025 CoreLogic® Severe Convective Risk Risk Report also provides an analysis of how weather patterns can intensify and change the geographic location of the CoreLogic Climate Risk Analysis (CRA) suite in the next 5 to 25 years, especially in the Midwest and South regions, especially the greater threats, may face greater threats and may face greater threats. Atmospheric instability and moisture levels are driving more extreme weather, making active risk management strategies crucial.
Know your risks. Speed up your recovery. ™
Severe convective storms present significant and evolving challenges. Advances in weather verification and risk assessment technologies are invaluable for improving underwriting practices, accelerating claims management and identifying high-risk areas. However, the increase in intensity and transfer patterns of SCS activities driven by climate change emphasizes the need for continuous innovation and proactive resilience programs. By leveraging tools such as CoreLogic’s risk score and climate analysis, insurers can better anticipate and mitigate the impact of bad weather, protecting the impact of property and community as the risk landscape develops.
Download the full 2025 CoreLogic® SCS risk report for comprehensive insights on the latest SCS trends and their impact on the evolving risk landscape.
©2025 CoreLogic, Inc. All rights reserved. Although all content and information are considered accurate, there is no warranty, representation or implied, of any kind or unlimited intellectual property rights associated with the content or any content or any content or any content or any content or any content or any content or any content or any content or any content or any content or any content or any content or any reliance on the infringement of intellectual property rights or unlimited or any dependencies therein. CoreLogic® and know your risks. Speed up your recovery. ™ is CoreLogic, Inc. or trademarks of its branches or subsidiaries.
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