Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Hurricanes and wildfires may grab all the headlines, but property damage from smaller, more frequent storms is adding up fast, property insights company CoreLogic found in its 2025 Severe Convective Storm Risk Report.
Severe convective storms, or severe thunderstorms, typically include hail, tornadoes, and straight-line winds. And they can happen almost daily.
“The frequency and severity of natural disasters — combined with increased development and inflation — are driving forces behind the proposed rate increases that put pressure on homeowners’ monthly payments,” the report reads. “[A] quieter yet significant peril continues to drive insured natural disaster losses across the U.S.”
Texas faces high risks across the board, report finds
The Lone Star State beat out all others for its concentration of hail, tornado, and straight-line wind risk, CoreLogic found.
Damaging hail fell on more than 180,000 homes in Texas in 2024, according to CoreLogic. The next highest was Nebraska, with almost 70,000 affected homes. Missouri, Oklahoma, Kansas, and Colorado fill out the top of the list, showing a significant concentration of storm activity in the middle of the country.
In 2024, damaging hail fell on more than 567,000 homes across the U.S., CoreLogic reported, totaling a combined reconstruction cost value of $160 billion.
And damaging hail is just one of the possible effects of severe thunderstorms.
Several states and metro areas also face significant property risk from smaller hail, tornadoes, and high straight-line winds. Areas with trillions of dollars in reconstruction cost value face consistent severe thunderstorm risks.
Resilience improvements can help homeowners
Climate risk can affect home insurance premiums because certain types of severe weather can cause expensive damage and costly claims payouts, according to Insurify’s home insurance report. For example, “damaging hail,” which CoreLogic defines as hail 2 inches or larger, can cause significant damage to roofing, siding, windows, skylights, and electrical infrastructure, the report found.
“The big swings we’re seeing in intense storms are impacting different parts of the country where development is highest,” Jon Schneyer, research and content director at CoreLogic, said in a press release. “This means everyone should take steps to increase their home’s resilience. Preventative actions, regular maintenance, and awareness are essential to storm preparedness.”
For example, impact-resistant roofing materials, like dent-resistant metal roofing or rubber-style roofing, can help protect against hail damage, according to Window Well Experts. Installing impact-resistant windows, protective covers or screens, or storm shutters and reinforcing siding and exterior walls can also add extra protection.
What’s next: Risk is still changing
While severe thunderstorm activity occurs most frequently in Texas, Oklahoma, Kansas, and Nebraska, changing environmental conditions could shift that, CoreLogic reported. In five-year and 25-year projections, CoreLogic found little short-term change but a significant shift in risk to the South and different parts of the Midwest by 2050.
Higher levels of moisture in the atmosphere lead to more intense storms, meaning “larger hail, stronger winds, and more destructive tornadoes,” the report reads.
“Severe convective storms spotlight the significant and evolving challenges that arise at the intersection of hazard and property,” said Schneyer. “It is a problem which both insurers and homeowners will have to grapple with.”
Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass. She reported multiple investigative stories about municipal finances and budget allocation, building development and inspection, and personnel. When the pandemic began she became a de facto public health reporter, writing daily and weekly reports using available data to quickly communicate rates of infection and city response.
She's worked for print and digital outlets, writing everything from quick-hit breaking news to long-form community features. More recently, Julia managed content strategy at a startup creating a social platform for licensed nurses, overseeing a team of nurse freelancers and editing interview transcripts and news articles for publication.
She holds a Bachelor's degree in communications from Simmons University, with a focus in journalism. Outside of work, Julia enjoys working on crafting projects, learning about homesteading, and singing in cover bands.
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
)
)
)
)
){kind=small}
){kind=small}
){kind=small}
){kind=small}
)
)
){kind=small}
)
)
)
)
)
)
)
