Key Insights from the 2025 CoreLogic® Extreme Convective Storm Threat Report

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 gives 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 Influence of Extreme Convective Storms in 2024

The report gives a complete overview of the influence of extreme convective storms in 2024. In contrast to hurricanes or earthquakes, SCS occasions happen continuously—generally every 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 larger fell on over 567,000 properties throughout the U.S., with a mixed reconstruction price worth (RCV) of $160 billion.

Texas had essentially the most vital influence, with over 180,000 properties affected. Roughly 72% of the properties with damaging hail influence had been in Texas, Nebraska, Missouri, Oklahoma and Kansas.

The variety of massive hail days in 2024 was greater than the 20-year common, and there was a notable enhance 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 properties. These concentrated, high-severity occasions can result in fast claims surges, overwhelming processing programs 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 properties 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 danger focus as a consequence of its measurement, geographic place relative to SCS exercise and quite a few massive concentrations of properties. On the metropolitan degree, Chicago, IL leads in hail, twister and straight-line wind danger.

CoreLogic estimated that:

• over 41 million properties are at reasonable or larger danger to hail of 1 inch or extra with an RCV of $13.4 trillion
• over 66 million properties are at reasonable or larger danger to EF0 or stronger tornadoes with an RCV exceeding $21 trillion
• over 53 million properties are at reasonable or larger danger to winds of 65 mph or extra with an RCV of $18.6 trillion

Future Local weather Tendencies 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 initiatives that within the subsequent 5 to 25 years, areas of the U.S., notably the Midwest and South, could face even larger 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 carry 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 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 danger scores and local weather analytics, insurers can higher anticipate and mitigate the impacts of extreme climate, safeguarding properties and communities as the chance panorama evolves.

Obtain the total 2025 CoreLogic® SCS Threat Report to realize complete insights into the most recent traits in SCS and their influence on the evolving danger panorama.

©2025 CoreLogic, Inc. All rights reserved. Whereas all the content material and knowledge is believed to be correct, the content material and knowledge is offered “as is” with no assure, illustration, or guarantee, specific or implied, of any sort 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 in any way 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 logos of CoreLogic, Inc. or its associates or subsidiaries.

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