This post is part of a series of sponsored by Corelogic.
As the cost of property insurance continues to rise, homeowners and insurance companies are facing new challenges. While hurricanes and fires often dominate discussions about natural disasters, serious convective storms (SCS) remain an underrated but significant contributor to insured losses. Korelogic® Serious Convective Storm Risk Report from 2025 provides critical insight into the frequency, severity, geography and future risks to SCs throughout the United States, which helps insurers to better prepare for the developing peat landscape.
Insight from the action of serious convective storms in 2024
The report provides a comprehensive overview of the effect of serious convective storms in 2024. Unlike hurricanes or earthquakes, SCS events often occur – sometimes daily – across different regions. These storms include harmful hail, linear winds and tornadoes, causing billions in insured losses each year. The cumulative effect of frequent, smaller scale events makes SCS an important driver of claims.
In 2024 alone, Corelogic Weather Forensics estimated that hail with a diameter of two inches or larger fell on over 567,000 homes across the United States with a combined restructuring value (RCV) of $ 160 billion.
Texas had the most significant influence, with over 180,000 homes affected. About 72% of homes with harmful shotgun were in Texas, Nebraska, Missouri, Oklahoma and Kansas.
The number of large hagldage by 2024 was higher than the 20-year-old average, and there was a remarkable increase in “outbreak type” serious weather days-intent but concentrated events-snarers than long-lasting stretches of harsh weather. For example, the most effective single shotgun of 2024 on September 24 in Oklahoma City, where harmful hail fell on 35,000 homes. These concentrated events with high difficulty can lead to quick claims, overwhelming treatment systems and resources.
The serious convective storm risk landscape for 2025
2025 Corelogic® Serious Convective Storm Risks Report also offers a detailed look at the number of and the total RCV of homes at risk of hailstorms, tornado and linear winds on subway and state levels. At the state level, Texas leads all states in hail, tornado and equal line risk concentration due to its size, geographical position in relation to SCS activity and several large concentrations of homes. At Metropolitan level, Chicago, IL in hail, tornado and linear wine risk leads.
Corelogic assessed that:
- Over 41 million homes are in moderate or greater risk of hail on an inch or more with an RCV of $ 13.4 trillion
- Over 66 million homes have moderate or greater risk of EF0 or stronger tornadoes with an RCV exceeding $ 21 trillion
- Over 53 million homes have moderate or greater risk of wind of 65 km / h or more with an RCV of $ 18.6 trillion
Future climate trends and the need for resilience
2025 Corelogic® Severe Convective Storm Risk Report also provides an analysis of how changing weather patterns can intensify and change geography of serious convective storm risks throughout the US Corelogic’s Climate Risk Analysis (CRA) Suite projects, which in the next 5 to 25 years, regions in the US, especially Midwest and South, are facing even greater threats from huge Hagl, and tornadoes. Increased atmospheric instability and humidity levels drive more extreme weather, making proactive risk management strategies crucial.
Know your risk. Accelerates your recovery. ™
Serious convective storms bring significant and evolving challenges. Progress in weather confirmation and risk assessment technologies has been invaluable in refining insurance practice, accelerating requirements management and identification of areas at high risk. However, the increasing intensity and changing patterns of SCS emphasize, driven by climate change, emphasize the need for continued innovation and proactive resilience planning. By utilizing tools such as Corelogic’s risk results and climate analysis, insurance companies can better predict and mitigate the effects of severe weather, protect properties and communities as the risk landscape develops.
Download the full 2025 Corelogic® SCS risk report to gain extensive insight into the latest trends in SCS and their influence on the developing risk landscape.
© 2025 Corelogic, Inc. All rights reserved. While all content and information are assumed to be accurate, the content and information are provided the products or all AI functions or content thereof or any dependence on it. Corelogic® and knows your risk. Accelerates your recovery. ™ are the trademarks of Corelogic, Inc. or its affiliated companies or subsidiaries.
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