Facts + Statistics: U.S. catastrophes

Natural catastrophes

Aon defines a catastrophe as a natural event that causes any of the following:

$25 million or more in insured property losses
ten deaths
50 people injured
2,000 filed claims or homes and structures damaged.

Aon’s natural catastrophe estimates include Puerto Rico and the U.S. Virgin Islands and include losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. They are subject to change as loss estimates are further developed.

Natural Catastrophe Losses In The United States By Peril, 2025 (1)

($ millions)

Peril	Number of events	Fatalities	Economic losses (2)	Insured losses (3)
Tropical cyclone	1	8	$432	$188
Severe convective storm	52	138	67,872	52,296
Wildfire, drought, heatwave	9	468	61,453	43,021
Winter weather	7	33	1,983	1,404
Flooding	15	202	10,309	6,169
Total	84	849	$142,049	$103,078

(1) Natural disasters that cause at least $25 million in insured losses; or 10 deaths; or 50 people injured; or 2,000 filed claims or homes and structures damaged. Includes Puerto Rico and the U.S. Virgin Islands.
(2) Includes any direct physical damage or direct net loss business interruption costs.
(3) Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Subject to change as loss estimates are further developed. As of January 2025.

Source: Aon.

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Natural Catastrophes By Quarter, 2025 (1)

(2025 $ millions)

Quarter	Estimated insured losses
1	$58,811
2	30,807
3	10,926
4	2,536
Full year	$103,078

(1) Natural disasters that cause at least $25 million in insured losses; or 10 deaths; or 50 people injured; or 2,000 filed claims or homes and structures damaged. Includes Puerto Rico and the U.S. Virgin Islands. Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Subject to change as loss estimates are further developed. As of January 2026.

Source: Aon.

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Estimated Insured Property Losses, U.S. Natural Catastrophes, 2016-2025 (1)

($ billions)

Year	In dollars when occurred	In 2025 dollars (2)
2016	$31.9	$43.1
2017	96.2	127.2
2018	60.9	78.6
2019	39.2	49.8
2020	81.1	101.6
2021	93.3	111.8
2022	108.6	119.2
2023	81.1	86.4
2024	115.6	119.6
2025	103.1	103.1

(1) Natural disasters that cause at least $25 million in insured losses; or 10 deaths; or 50 people injured; or 2,000 filed claims or homes and structures damaged. Includes Puerto Rico and the U.S. Virgin Islands. Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Subject to change as loss estimates are further developed. As of January 2026. Adjusted for inflation by Aon using the U.S. Consumer Price Index.

Source: Aon.

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Top 10 Costliest Natural Catastrophes, United States (1)

($ millions)

			Estimated insured property loss
Rank	Year	Peril	Dollars when occurred	In 2025 dollars (2)
1	2005	Hurricane Katrina	$65,000	$107,495
2	2022	Hurricane Ian	54,000	58,854
3	2021	Hurricane Ida	36,000	42,742
4	2012	Hurricane Sandy	30,000	42,124
5	2017	Hurricane Harvey	30,000	39,678
6	2017	Hurricane Irma	30,050	39,544
7	2017	Hurricane Maria	29,500	38,822
8	1992	Hurricane Andrew	16,000	36,883
9	1994	Northridge Earthquake	15,300	33,991
10	2008	Hurricane Ike	18,200	27,019

(1) Natural disasters that cause at least $25 million in insured losses; or 10 deaths; or 50 people injured; or 2,000 filed claims or homes and structures damaged. Includes Puerto Rico and the U.S. Virgin Islands.
Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Subject to change as loss estimates are further developed. As of January 2026.
(2) Adjusted for inflation by Aon using the U.S. Consumer Price Index.

Source: Aon.

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